Someone mentioned what the rodders do as they are basically in the same boat; a custom vehicle. Everyone I know who has rods/or restored classics has an agreed to amount of insurance. If it's 30K and it burns up thats what they pay you even if it was a 12K truck or a 50K unit. You simply buy what you want and what you can pay for. I doubt it is different for seldom used trucks and you could always purchase a large liability umbrella policy for the rest of the requirements. Medical isn't generally a requirement in most states.
