Ok let me first by saying I have everything I own insured through state farm. I previously had a Turbo Hayabusa fully covered with $0 ded and it was covered up to 50K in aftermarket and I paid like $550 a year.

I just purchased a 2015 XP41K and I’ve read where others are getting full coverage for around 150-250 a year. I called and was quoted 190 for 0 ded and 150/300 coverage a year then didn’t see it on my bill so the wife called back and she said they forgot to add it cause they did not have the VIN#. So she gave it to them and they called back and quoted 750 a year full coverage and stated the previous quote was not full coverage just liability. I call BS on this.

I got my paperwork in the mail and they have it under full coverage for a dune buggy. Not a UTV. What are they doing wrong and what do I need to call back and ask or change? No way with a perfect driving record, multiple vehicle discounts, over 25, and married I can see this changing from 190 to 700 especially what others have quoted through State Farm