I just got liability/comp/collision with a $100 deductible, $1000 trailer coverage, $3000 accessory coverage, and uninsured motorist for $250/year on my 08 AC 400.
good thinkin bot, there was another discussion about insurance in a previous forum....we don't have it, mainly because we race our quads and if you race them insurance barely covers anything.....
my advice would be:
read and know the policy you're getting and make sure its suitable for the kind of riding you do before you get it!!