Big truck guys.......insurance?
#1
Big truck guys.......insurance?
Hit a bit of a roadblock on the COE ....I called my insurance co to add it to my policy, they said no! Seems they will only insure up to 1 ton trucks for personal use. They offered me a commercial policy at about 3 times as much as any of my other vehicles. So I started calling around and finally found a company that would insure it, but the premiums are still fairly steep.
I could use collector insurance, but I plan to actually use this as a truck....haul stuff, pull a trailer, daily driver, etc.
Has anybody else ran into this? Suggestions?
BTW, the truck is registered as a C6(2 ton)
I could use collector insurance, but I plan to actually use this as a truck....haul stuff, pull a trailer, daily driver, etc.
Has anybody else ran into this? Suggestions?
BTW, the truck is registered as a C6(2 ton)
#3
#4
That's what I have been trying......finally got State Farm to give me a quote. seems a bit much to me, but I may have to bite the bullet. Re-titling would be a last resort. I tried to register it as a 1 ton, but cant without jumping through all the DMV hoops to get a new title.
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#8
I don't want a bunch of restrictions.....
#9
#10
I'm curious, are they basing the rate on the licensed GVW? Or just the model?
Even though you want to haul things are your really going to put a lot of miles on it?
Depending on how much farm stuff you insure if you put the truck as part of a blanket policy for all the farm equipment buildings etc. and don't license it for 32,000# or what ever the max is there for two axles it seems like you should be able to get some sort of break.
But then insurance is getting tougher all around. I hope you come up with something that will let you enjoy using your COE.
B
Even though you want to haul things are your really going to put a lot of miles on it?
Depending on how much farm stuff you insure if you put the truck as part of a blanket policy for all the farm equipment buildings etc. and don't license it for 32,000# or what ever the max is there for two axles it seems like you should be able to get some sort of break.
But then insurance is getting tougher all around. I hope you come up with something that will let you enjoy using your COE.
B
#11
Scott I had to rent a commercial truck for towing when the woman hit my trailer and ran it into my truck. It seems rental places dont allow towing with their trucks. when time for insurance came my F250 insurance had to be supplemented to cover the commercial F250 . I know other companies dont have personal truck limitations because my friend has military 2.5 tons. I would just call around till you find one.
#14
I have my F4 insured at collector vehicle rate through SF. I also have two DDs and all my other insurance through SF.
Collector insurance is just that, limited and with specific uses.
#15
Sounds to me like you intend to use the truck as trucks are intended. If you are completely honest with the insurance company, they will most likely rate your truck accordingly. Liability insurance coverage is something I would not want my insurance company to be able to walk away from after a claim if they could suggest I obtained insurance by fraud.
Oldb, they go by the GVW, in this case 16000(the minimum). Titling the truck as an F6 was easier at the time, I never thought it might be a problem.