not real sure i told them i had a 72 am general m35a2 and it has a 23k gvw and told them i just wanted liability that would cover the truck they said they would get back with me few hours later they called back asked if i would be hauling a trailer with it, said no , then they asked what i would be hauling in bed told them just general stuff and it is personal use no comercial use of any kind then they said they would get back with me. about hour later they called back with quote of $25.87 a month also cheaper rates on daily driver and atv which was more than the cost of ins on deuce so i come out cheaper all the way around