okay guys and gals. after burning a trail through the insurance companies and getting zero quotes, i visited a broker yesterday. she exhausted her resouces it seemed when she said "wait a minute, i insured a peterbuilt as a non-commercial personal use vehicle for a guy to tow his boat".
so, she looked at progressive (oh, boy, here we go again) for commercial vehicle insurance on a bus and whalla! it seems the way progressive thinks is this.......they list vehicles for their intended purpose, not for what they will currently be used for. if you have a commercial vehicle you can use it for personal use. huh? wtf? so she went that route and it spit out a good policy.
went to dmv, and the lady handed me a tag that read SCHOOL BUS. noooooooo, i will get busted, i need a tag that says truck, or rv or something besides school bus. so, she went back and came out with a tag that read private bus.....now were cooking. left dmv registered and tagged as private bus at $127 total, good for 2 years.
btw, insurance was 422 a year for 25/50/25 liability. i bought 6 months for 211.
i had previously had a trooper come out and do a physical inspection in prep for titling as a rv. he told me for that to happen, i would have to get a permit to dismantle, then another to reconstruct so the vin could be reassigned as rv. man, that seemed like a way to get caught up in bureaucratic never land so i got skeered!
end of story................i have a legal bus!
hope this helps the next guy trying to sort through all this mess.