A big part of it is your region, I pay a little under $50 a month/$600 a year for full coverage through progressive. I asked my agent why we pay more for the same insurance down here and he said it has a lot to do with the amount of ATV thefts in my area.
Insurance
Well, after shopping around (about 6 different phone calls) I accepted the fact it would cost as much to insure my quad as it would my car. No shit.
I couldn't do it. Especially with so many of you paying such a small amount every year.
Naturally every time I'm towing it, I would start to ulcerate. Watch the occasional youtube ATV Crash Spectacle and I would ulcerate.
Then I saw this one:
Let me tell ya, when I saw the remains, I got to feelin' a little queesy. 
uke:
That's it, I'm done ulcerating. I contacted USAA and had them work up a quote for my house, car, and quad. Outstanding. Switched from Allstate and now I'm ulcer days are behind me.
I couldn't do it. Especially with so many of you paying such a small amount every year.
Naturally every time I'm towing it, I would start to ulcerate. Watch the occasional youtube ATV Crash Spectacle and I would ulcerate.
Then I saw this one:
uke: That's it, I'm done ulcerating. I contacted USAA and had them work up a quote for my house, car, and quad. Outstanding. Switched from Allstate and now I'm ulcer days are behind me.
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