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Oh, after hanging up with SF I was on the phone with Hagerty within minutes and had a policy at $180.
I do store the truck indoors and truthfully will never use it to pull anything, etc
I've been with StateFarm for everything for 20 years and they gave me a quote of around $600/year. I just laughed at him.
I'd love to know if/how there is another way through SF as well.