ok, here's the next question. we are about to buy a box truck. why on gods green earth does my insurance agent foam at the mouth to get that coverage as well? they quoted me a 10k a year (full coverage) for insurance on a 16 ft boxtruck. They won't let me have liability only even thought its an 18 year old box truck with 207k miles on it and won't be going out of the parking lot more than 2 or thems times a year. Yet, progressive commercial quoted me $327 for 6 months. (liability only)