shop truck insurance question

[Kottwitz-Graphics]

I am about to pick up a new to me shop truck.

It is an '86 s10 with a utility body, and I called my auto insurance agent, and she said that because of the utility body, it has to be insured as commercial. I get that, but she said (without the vin) that for liability, i will be looking at $400 to $500 a term. that seems a little high to me, considering that I pay right at $600 a term for 3 vehicles all full coverage....

What auto insurance companies can you guys recommend?

 

[Chriswagner92]

Stay away from Geico like the plague. I use Progressive and Nationwide and haven't had any issues like I have with Geico

 

[Texas_Signmaker]

I have Progressive with half a million in Liability. I have a 2015 Silverado HD service body and it replaced a 2009 Tahoe... I'm paying LESS with the Silverado compared to the Tahoe... I figured they must of thought someone driving a white work truck in Texas was a low risk. Maybe they think someone driving an 86 S10 is kinda risky.. If think so too but only cause I'd assume you have no insurance. lol

 

[Christian @ 2CT Media]

Typically commercial insurance is much higher than personal, the risk is higher and the exposure is much higher.

Get in to an accident in a commercial vehicle and all the lawsuits are for millions.

Used to run a 800 vehicle fleet in my yesteryear and it was a nightmare anytime an employee wrecked.

 

[d fleming]

Try insuring a bucket truck, lol.

 

[Kottwitz-Graphics]

Maybe they think someone driving an 86 S10 is kinda risky.. If think so too but only cause I'd assume you have no insurance. lol

in Maryland it's law to have insurance. big fines if you don't...

I am thinking that it is the fact that it's a 36 year old truck, and parts could be difficult to find...

I really like the old square body s10s, and finding one with a utility body is rare. it's gonna be an eye catcher when I get it laid out, and considering putting suicide doors on it....

 

[unclebun]

I think his joke was that S10 drivers don't have insurance. (a statement about their character)

 

[visual800]

Im with Allstate on everything BUT when I bought a bucket truck I went thru progressive they were the cheapest

 

[fresh]

In NJ, State Farm has the best commercial auto rates.

 

[decalman]

Im with Allstate on everything BUT when I bought a bucket truck I went thru progressive they were the cheapest

Progressive is cheap enough for me.

 

[wildside]

We have a 99 Ford f350 bucket truck and runs about 800 a year. Which I find not to bad I guess....

 

[Johnny Best]

1986, you might qualify for historic status since it is over 20 years old. State Farm for me for 45 years.