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I have been with State Farm on my vehicles for years. Excellent local agent service. I carry liability insurance to protect myself, I don't insure the ATV as its not worth it IMO to insure something that has little value. I think I pay about $169 a year for the highest liability I can get.
I happen to know someone who is being sued for damages and he has no insurance coverage on his ATV. Unfortunate events that led to someone getting hurt.
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