I recently drove one home from OH to TN. I was given a temp tag by the dealer I bought from. I found a company that went ahead and sold me the regular bobtail insurance even though I wasn't yet leased on, like you. Several insurance companies told me they wouldn't do that, I had to ask around before finding one that would. Actual coverage is through Progressive. I drove home with bill-of-sale, temp tag, and proof of insurance.
There is a company I believe called Gulfway that some people have obtained insurance through for trucks that were not in service, show trucks for example. They have a website I think. I never called them but would consider it if necessary. My insurance agent has asked me for a copy of my lease a couple of times, and I explain that I'm not yet leased on. Just paying the premiums every month, so far they haven't dropped me although they seem to think it's strange that I'm not yet leased on. I'm like you, doing a few things to the truck before running it.
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