I've got my 48's covered under a rider policy that's under another vehicle that has full coverage. I decided the dollar amount it was worth and put liability and uninsured motorist on it and it costs me a little over $20.00 every six months. It's supposed to be a limited use policy but my agent said I could drive them whenever I wanted. I may just be lucky and have a car guy agent, but yours doesn't seem too eager to help you. May be time to shop around. My company is Farmers Insurance.
Good luck,
Scott
