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I understand what your saying and agree, but your age is going to keep the price up. I just had to switch because I bought a new car, and being 23 years old, Geico was getting ready to collect big time. For Correct coverage, expect to pay a lot, thats just the way life goes. I have my pick...

Im paying a little more then that only because its insured as a semi truck. Better over insured then under insured!!

One more reason for getting Commerical Insurance. Worth the extra $ and I dont worry about towing a trailer, I KNOW im covered.