What kinds of rates are you guys getting for your truck/trailer? I am getting charged $450/yr for my 92 2500 and a 14' trailer. Liability only. I'm 27, single, homeowner, never had an accident. No tickets in last 5 years. Also no employees; I'm a solo part time operator. The truck was only $200/yr when I insured it on my personal policy but it shot up to $400/yr when I told them I use it for business. It's $50/yr more for the trailer. This is my biggest fixed cost after advertising and I have a feeling I'm getting raped. Why should it double? What are your rates for your trucks?