I am wanting to start a lawn/garden service business and just got a quote. One quote was for $341, then I told the lady that I was going to use this vehicle for a small business I want to start up. She then transferred me to the business/commercial account department. Now the quote is for $442 for 6 months - HUGE difference! For tax purposes should I have the vehicle insured under their business section of insurance? And also, for those who have a little trailer do you have this insured separately? The agent I spoke to didn't know if the garden equipment inside would be covered - anyone in the know about this? Please keep in mind, it is a mini van I'm insuring and considering a small trailer, not a big truck and fully loaded enclosed trailer.