Geographical location plays alot in what your insurance company will get you for.
If you live out in the sticks, i've found insurance is alot cheaper than if you live in (or near) a big city.
I suppose they figure the more cars on the road around you, the more likely you'll hit one of them.
I haven't even bothered to check into insurance on my 46 2 ton, since getting it to that point is still several months away.. but if I can get it insured with straight liability for under $500 a year, i'll be happy.
