You need a truck insurance policy, but the numbers you’ve been getting as quotes seem exceedingly high and you’d like to know why. You may be one of the safest drivers on the streets, with nothing negative on your driving record, but you have been quoted numbers that are twice what you’re paying for your car. There are two reasons for this. The first is that most drivers of trucks and SUV’s, as a class, aren’t as safe as you. Many of them feel that since they’re so much bigger, they own the road. The other reason is that your new SUV is coveted by car thieves for its resale or parts value. Insurance companies pay out more overall claims to truck and SUV owners than passenger car owners.
For more info, see Differences Between Insuring a Car vs an SUV or Truck