After seeing many folks have $150-$500 annual premiums for their bass boat, with values from 10k to 50k, I'm stumped.
Progressive quoted me $1100/year... 400% more than I expected. This is on a 20 year old boat with a Mercury EFI 225, replacement value of $12,000 and full coverage except uninsured/medical, $500 deductibles.
Background: 0 insurance claims and 0 violations in the past 5 years. 17 years of boating experience but haven't purchased boat insurance before. Thoughts?