On the other hand, carrying full insurance on low value vehicles eats you up, so if you have rigs that are worth $1500 to $2500, then you might as well go liability only unless maybe it is a work truck which you keep $10K worth of tools in.

The other thing about fully insuring a higher value bugout vehicle is that the contents get some level of insurance too. It sucks if the shit is not on the fan and your $3500 NVGs and $3000 weapons bag got ripped off along with your truck, and you know how that works even if the truck got recovered by the police with the stuff still in it. Your bags of stuff will not survive the stay in the tow yard.