I don't know if the rest of the Nation is the same as the SRC, but I was very lucky to get regular auto insurance, after I changed my 3500 C&C to non commercial use (you still have commercial plates, just registered for lighter GVW) and saved $1200. 00 a year. I was paying $2300. 00 a year for 26K GVW and $500,000. 00 liability

. That is something I didn't think about when I bought my C&C. If I had to do it again, I might consider a reg 3500 and then have the bed installed so the VIN would come up as a reg pickup. AAA insurance reluctantly did insure it, but under the threat of pulling all of my insurances, which are a lot.