Living on a farm, trucks are a given.
Anyhoo, I can't comment on the insurance in your situation (though, I imagine it would be cheaper), but a truck is still rather expensive IMHO.
Prices taken from
http://www.carprices.com :
2003 Ranger Regular Cab
$13,645.00-$20,010.00
2003 F-150 Regular Cab
$19,125.00-$26,055.00
2003 SVT F-150 Regular Cab (**drool**.....would give your 'stang a run for it's money
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$32,515.00-$32,515.00
2003 Super Duty F-250 Regular Cab
$21,640.00-$28,035.00
2003 Super Duty F-350 Regular Cab
$22,095.00-$28,845.00
2003 Sierra 1500 Regular Cab
$19,100.00-$28,340.00
2003 Sierra 2500 HD Regular Cab
$23,800.00-$29,500.00
2003 Sierra 3500 Regular Cab
$28,662.00-$30,680.00
2003 Sonoma
$14,720.00-$24,620.00
2003 1500 Ram Regular Cab 4x2
$18,735.00-$22,325.00
2003 2500 Ram Regular Cab 4x2
$23,420.00-$25,075.00
2003 3500 Ram Quad Cab 4x2
$28,480.00-$32,820.00
2003 Dakota Regular Cab 4x2
$16,845.00-$24,150.00
For comparison:
2003 Mustang
$17,720.00-$29,215.00
2003 SVT Mustang Cobra
$33,460.00-$39,275.00
I can't comment on the prices quoted to you, but I feel this is a decent comparison. Obviously, crew cabs and 4-doors will be more expensive. I, personally, wouldn't even consider the 4X2's as you then lose one of the key benefits of trucks--the all wheel traction when you need it. The sonomas, rangers, and (to an extent) dakotas seem more like cars with a box to me rather than actual trucks. We can justify the cost of one due to the fact that it's a working vehicle (seed corn hauling, cords of wood, trailer pulling, etc.). If you don't think you'll have a lot of those instances, you may want to reconsider a truck. A pragmatist to the dying day, but for your average joe/jane in the city (I won't comment on your current situation because I don't know enough to make an informed comment on it), your sedan, wagon, or van is the way to go.
But 440sixpack got this right: trucks have more character. You're gonna have to ask yourself if you want something sensible..........or something sexy (asking *Nikki* this may seem odd, but applicable here
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