While rates and coverages can vary by carrier the much bigger rating factor is the applicant, various required info together with industry reporting services combine to create an "insurance score" which in the end calculations is the largest influence on premium tier, this score is affected by;
1. Credit Score
2. Loss History
3. History of Continuous Coverage
4. Age
5. other info
From there other discounts or lack of can further impact your premium, but my point is that it is pointless to compare your quoted premiums with others here, no one risk may be identical with all the factors in play, check with carriers/agents that are savy in atv/utv risks and available coverages and make your decision.
One tip from an insurance guy, if your quoter does not take time to discuss things such as "guest rider liability" "uninsured and underinsured motorists" and "medical payments" and suggest you buy up in these categories, get yourself another agent..
Other than that boyz, carry on at the water cooler talk and the policy measuring contests..
opcorn:
