So I am looking at insurance for my new xmr and I found a decent deal but I have never used this company and heard alot of good/bad. I have had the same insurance company for going on 14 years and maybe its time for a change…

I got 3 quotes for my atv below.

1. Progressive – 415 / year @ 250 deduct + max coverage (liability, etc)
2. State Farm – 381 / year @ 500 deduct – regular coverage not max
3. Geico – 250 / year @ 250 deduct + max coverage (liability, etc)

Does anyone have experience working with Geico? Are they decent? I am thinking about moving my boat/rv/atv to a new insurance company.

State farm is my current insurer, their price isnt too bad but lately they have been going up and I have 0 claims and I am married @ 32 years old so its getting a little old paying more and more. On a + note they said they cover the atv if its sunk, rolled down a hill, or generall damaged by my stupidity.

Does anyone know how Geico coverage is as far as water damage from sinking or riding damage? Are they easy to work with or a pita? I have had no dealings with them at all.

Thanks.