Our old trucks require hands-on seat time, and likewise insuring them in their earlier days was back when people did things face to face. I second the local agent option. Often local offices can provide policy options from several insurance agencies and will recommend the best for your situation. Let an agent do the leg work!
Also some policies allow you to pay an extra fee for free car rental service while a vehicle is being repaired. Since this is your only vehicle, that stipulation/ option might be a loophole to your denied applications.
