What do you guys honestly pay? and for what vehicles? I for the last 3 years have used my 91 F150 Ford truck as a 4th vehicle on my personal auto policy, i dont have the Company name on the side or anything... yet... I plan to do this. I was told by my NJ auto insurer, NJ Re-Manufacturers, the subsidary of NJ Manufacturers insurance for "not so- safe drivers", that i cannot use my truck for any business purposes... INCLUDING PULLING A TRAILER WITH A LAWNMOWER ON IT! So i said fine, what do i need to do. I give them all the info to apply for a commercial policy JUST for my truck. 4 days later i get in the mail a denial letter notifying me that theyre underwriting dept. will not offer me a commercial rate because my Liscense isnt "clean" enough. I had to call 3 times just to find out im waiting on this letter. Ive been with this company since 1999 when i started driving. I call ALLSTATE for a quote, within the same day, 5hrs later, he calls back with my rates. I have a speeding ticket from VA from Sept 05 and one in Deleware on the highway from April 04... Thats about it recently. Both 2 point tickets. He calls back and gives me a price of $2475 for my 91 f150 LIABILITY ONLY, and $3,305 EXTRA if i plan to buy this 06 F350 Diesel Ford truck i was going to the dealer tonight to "hopefully" purchase. Not only is the truck payment setting me back $700-850 a month for 5-6years but now im going from $700 for a YEAR of insurance on my old truck to $500 a MONTH for insurance on Both trucks and the new truck payment! I havnt even got to purchasing the plow for it yet thats 4k+ I also just paid for a business insurance for lawn care and snow work in the winter, plowing/snowblowing for $1680 i had to pay in full to start the policy. What do you guys pay or who pays these extreme prices that only does this job part time? As these costs are going to make my "good" business NON profitable by next season i may be forced to pay it and do this full time.