Semi+car insurance question

Because your CDL is considered a separate license from your regular license. You car insurance looks at it differently that the truck insurance underwriters do.
Example: You can have your CDL suspended for 90 days yet you can still drive a non commercial vehicle as long as what your CDL was suspended for was one of the serious violations listed here. Regulations Section

 

any gaps in insurance coverage and your rates will go up. simple as that. insurance company do not give discounts just because your a truck driver. my personal vehicle insurance is on progressive because i was able to get pretty deep discounts on the snapshot program.

 

Get a different agent?
They have things that fall into their computer program that none of us can control. I assume the truck you are driving is not insured in your name. As such you have not had insurance maintained in your name and they restart you as a new insure and the rate is higher. Consider maintaining minimum coverage in the future even if you are not driving the vehicle.
A good agent can give you the best advise for your area. JMHO Good Luck .

 

Basically it's like starting over, from the beginning. Anytime you cancel your insurance it's almost like you wipe four slate clean.

 

That seems to depend on what state your in. My State Farm agent here in Mississippi told me the same thing you stated, but in Oklahoma State Farm would not honor that.

 

What kind of car and what coverage did you have when it was insured, was it full coverage or just liability, and what insurance company. Have some info that may help but dont want to post a long winded reply unless it is relevant.