I pay 92 a year for basic insurance.... Here is the link, it looks like Quebec, Ontario and Alberta are not covered yet... write them and see what they can do! Open Skies Insurance
In the meantime, check this thread, some good recommendations that are more than 1/2 less than what your paying now! ATV insurance - Ontario
Don't know if you have ever visited mudhole.ca forum. Nathan Ackland - State Farm, is a site sponsor and an ATVer. His banner scrools by on the top header. He's been good for me 519 754 8700 in Aurora. Talk to Nathan, there's others in the office that are questionable.
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