it is well worth it, last year i had a modded out yfz 450, payed state farm 125 a year. one night i came home late from my gfs house and my bike was stolen out of my garage. the next day called state farm and made a police report and a few weeks later a picke up a check for the full payoff amount plus all the mods i did. just keep all your reciepts. yup that 125 saved me 9000. also make sure you secure your atv the way the insurance wants you too. chained up or in a garage, or they wont pay out. hope this helps.
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