Get a quote from several companies. What WE pay is irrelevant. Someone with several DUI's will be paying a LOT more than a guy with a clean record. If you're that guy then you'll be paying a lot. Your quote will depend on the size, type and model of rig you own, whether it's agreed value or actual value, the amount of coverage and protection you want and your credit score. Any and all of these will vary what you're charged for insurance. Is insurance expensive, sure it is, but what we pay means nothing to YOUR situation. Full timer's insurance is more than double what you were quoted....Dennis