I took a look at some of our bills today and . I've always liked having the trucks Insured commercial but at $1,200.00 a truck in NJ. I'm thinking of insuring my 2500 as personal and lettering the trailer. I could bring that price down to $600 depending on if I have more than one truck. There is no way I'll get away with that with my F350 dump. But cuting $600 a year could go along way. $600 here $200 there. We run two crews. One cut grass and helps with trimming and some mulching. The other is patios, instal, mulch, light tree removal. Just about every thing we can get our hands on. And is there any way to make a Dodge 2500 with a Hemi to stop killing me at the pump. Next year I might just have to put the dam thing down.