Be careful using an auto insurance company for your boat. Auto ins. is exactly what you'll get. Most won't cover the boat during tournies, and most won't cover any of your tackle if it's stolen. I'm in the process of changing mine from State Farm to Boater's Insurance Agency. I'm getting better basic coverage, and they'll cover all my tackle, electronics, etc. up to $2500. This is an "agreed value" policy, meaning that if my boat is totalled in an accident, they'll pay me the full purchase price I paid for the boat. It's not devalued due to depreciation. All this for $30 a year more than I was paying. Another company that is highly recomended is 1-800-BASSBOAT.
Good Luck!!
Todd C.