One big reason for auto insurance is for other drivers. It isn't just so that you can finance your car. If you pay cash, you still have to have insurance, unless you have enough money to cover any damages that may occur to anyone else on the road, including them suing you and stuff. For a quad, there is considering less accidents where people harm others, so that is one reason.
2008 700xx; Power Bomb header with power core 4 exhaust, Power Programmer III, pro armor nerfs, prm products control front and rear bumpers and full skid, 10" ITP rears, ITP Baja's fronts, RZR 2's all the way around, Uni filter, 13t sprocket, CCP steering Damper, DS450 shock swap, Dual Gasser Throttle, bar risers and Moose barkBusters. 730XX kit plus other engine mods!