[Coley]

Insurance companies are not dumb....
I think what is probably happening is that they have been 'hit' enough times in either payouts or by people wanting full value payout on collector based stuff that they now know how to figure you out.
When you look behind a lot of this you will find a lot of guys who try to get away with the absolute cheapest insurance they can possibly get away with....until something is stolen or wrecked, then they want it all paid for in spades.
As stated if you want to get full value for your truck or loss...then find a company who understands your trucks full, true value paint, trim to motor, etc and then, fully disclose and agree on a replacement cost.....then be prepared to pay for that expensive, premium insurance.
Simple.....

Coley