Just bought an 825i. I'm trying to figure out the best way to insure my gator. My insurance agent seems clueless. They are trying to insure it in the same category as a motorcycle or atv, which leads to much higher rates than insuring it as a utility vehicle. They don't seem to understand the concept. I'm trying to explain to them that a motorcycle and atv are designed to be used solely for recreation in somewhat inherently dangerous activities, whereas a utility vehicle is designed for work related purposes. Does anyone have any insight or other knowledge that they can share with me on how they insured their UTV, the coverage and the costs?