Yes, my truck insurance tripled when I went to commercial coverage. BUT, my agent told me that if I was in an accident with my magnetic signs on and doing business with a personal type insurance plan, the insurance company has the right to deny my claim. With all the sue happy people in this world you better have commercial insurance on your vehicle. Do you have a commericial liability policy? Is your equipment insured? IF so you typically get a break by placing your truck with the same company. IF you don't have insurance then you are not much better than the scrubs that Stone likes to pick on so much.