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something else you might tell them, top speed is 52mph, not limited but maximum, dont know if that helps or hurts in this instance, I know in the real commercial word, if a driver is having issues getting insurance due to tickets, if his truck is speed limited, that helps.

$200'ish a year

I have state farm for AMi, m916 with a m970 tanker, they are registered at 70K lbs, my policy is commercial due to weight but cdl not required because they are both tagged as a standard private use tag, same as you have on a pickup and single axle trailer, I carry liability only, bodily injury...