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