CARGO VAN COMMERCIAL INSURANCE?

Hi...I have a remodeling business and I'm paying $1800 a year to insure my cargo van commercially. I also hold a car for which I'm paying only $600 a year to insure it. I tend to drive my motor 3 times as much as my van
I think I'm being robbed beside the commercial insurance.
Does this sounds right for a commercial insurance or I'm paying too much?, If the price sounds right...can someone give me a few good reason why an insurance company would charge this much?...besides being greedy. I also would like to know what a neutral rate would be.
Please...Help me out here, I feel that I'm working for the insurance. company.
Thank you very much.
Answers:
No course of knowing, it's going to depend on which coverages are on which policy.

One thing I'd recommend checking, is how that cargo van is classified. The cheapest rate, is SERVICE use. But if it's really service use, it's probably cheaper to insure it surrounded by your personal name.

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