Looks like ill be calling state farm and progressive tomorrow.  I called a number of "specialty off road and cycle insurance places i found online. Not ONE had any option for a policy that covered more than book value.  I have no problem paying a premium that reflects the true value of the vehicle and takes into account the storage and average use of it.  If i tell them i want $5000 coverage, why cant they give me a price?  Hell my wifes horse was insured for 20k and those things have more problems than quads. Lol