Got some paperwork from the Allstate agency.
This information is not quite current, because I called back later and removed the Kawasaki, and upped the accessories on the ACE to $5k. I'll probably be getting another info packet soon.
They said that removing the Kawasaki dropped the rate by about $30/year, and increasing the accessories bumped it up $5/year.
So my total premium should be about $280 for the RZR, ACE and Grizzly.
Details on what that includes are in the pics below. My discounts are nearly 3x my premium.

The "good rider" discount is for sending them a copy of my completion card for an ATV Safety Course years ago when I bought my first Kawasaki ATV.
"Bodily Injury" means injuries that I inflict on someone else in an at-fault accident.
"Property Damage" means stuff that I did to other people's stuff in an at-fault accident.
"Medical Payments" is the part that covers medical stuff for me, regardless of fault. $10K might be a little low - but hey, Obamacare will cover the rest. Right?
This policy covers damage to a trailer I am transporting the ATVs with.
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