2008 rancher case noise please help!

What’s up! New to forum and have a question about a 2008 rancher 420 4×4 es.
This thing has very low miles like 990mi and I was recently in michigan riding when the problem started.
My other quad broke down and had to tow it with the honda and now it’s making a clacking sound in first and second gear but it’s not making it in third. I do know it’s possible that those two gears could have stripped but seeking other advice before tearing into trans. Is it possible to have other things to inspect before going right to trans like clutch basket failure or starter clutch or has any one else had this problem? It just seems strange that it doesn’t make any noise in third you would think if the gears failed you would still hear something grinding in case but there is nothing.
Would appreciate any input guys thanks in advance.