$1300 per year, 1994 32 Active Thunder. I have 35 years of boating (and I am 41) I have no claims, $1800 ded. This was thru Sy Goldberg, I forgot to thank him here. This was the cheapest I could find. I was told not to make a claim unless the boat is a wreck. This is for Great Lakes and all inland tributaries. I think it is ok. I had to check this first before I bought, it was a deciding factor, THAT IS A SHAME. I am in the process of taking another boating safety course, the last one was at 14. I hope to save 10% or so, no big deal and the class has like 4 people in it. I have raced sailboats thousands of miles and can handle any seas, visibility or any situation that may arise weather wise. I was the helmsman for the Chicago to Mac race 4 times and the navigator for the Queens Cup race 10 times. I know my $hit on the water and I keep an eagle eye on every angle. You can follow me and I bet I will turn around and look for you every couple of minutes. I have followed some that never even look to the side little lone back. Those are the ones you steer clear of. TOOLS Remember it starts with US, we can make or break our right to boat, we need to stand up and I am not at all afraid to come up to someone on the water and tell them the stupid move they just made, nicely of course, and I tell them how to do it right. Most are OK with it, the others will sneer but I know they don't make the same mistake again. It is not an ego thing, I am only trying to help and keep the water safe.