Ok...the yearly cost difference is staggering. For a Formula 370 SS with 496HO's, not exactly a go-fast!t Progressive $4000!!! Boat US $2000. Wake Zone, $900. I don't get it. I thought Progressive were out of there minds. 58 yr old with no claim history at all and great credit. Ten years of boating. I thought Boat US was high. I tried Wake Zone because so many here on OSO rave about them. Well, I see you are all right. Big question. I don't plan on having an accident, but if I did, does Wake Zone come through without jumping through hoops? Has anyone had claim experience with WZ? This otherwise seems like a no brainer.