Since a new truck cost 50,000-60,000 bucks today versus 20,000 bucks 15 years ago insurance is bound to go up. This is why my newest truck is a 2002 Ford Ranger with 272,000 miles on it and my tow vehicle is a 1997 F150 with 210,000 miles on it....Full coverage on both vehicles and 2 boats on my insurance i pay 135 a month..100 dollar deductible on my vehicles and 250 deductible on my boats and full coverage on both boats.