Insurance for F-550 1-1/2 ton
Getting pricing for Insurance on 2006 F-550 1-1/2 ton truck. They are making me go the commercial route dang it. Hopefully there is a multi vehicle discount. Hopefully it won't be bendover pricing th...
Forum Discussion
Buying any 1-1/4 or 1-1/2 Ton for personal use (non-commercial) and asking for non-commercial discounts is challenging. Ford offers a “derated” certification if ordered from the factory as such. It’s order code 68D, which lowers the GVRW without any derating modifications actually done to the truck. This rating is recorded and permanently tied to the VIN. Insurance companies, DMV, etc can look up the VIN and see the derated certification, which allows users to classify the rig as personal use only and get out of some commercial rig requirements. Most insurance companies have a process to allow these types of rigs to qualify for the much less exspensive personal truck insurance, but this must be explained up front since most insurers automatically rate anything over 14K capacity as “commercial”. The only problem with a derated VIN is that it can limit resell to non-commercial buyers, since any business buyer cannot legally use the rig for commercial purposes.
I’d be interested to hear if/how that actually works for personal insurance. Since the F450/550 and Ram 4500 derates are only dropping the rated gvw a little bit, but keeping them still in the class 4-5 weight categories.
Guessing it doesnt help since a derated F550 is still rated at 17-18klbs gvw.Dreamalaska
With your train of thought on the lower GVW on these class 4 and above trucks, how is a commercial use is out of the question?...... Then how do so many people drive 15, 25, and 35 series trucks in commercial settings? I've had a true midget trucks from the late 70's into the mid 80s used in commercial settings, with commercial insurance etc.
I also do not per my state federal laws have GVW registrations on my vehicles for the door sticker GVW. Many states don't follow the manufactures GVW warranty ratings. You can buy whatever you want, as long as you follow the legal regs. Insurance is not an issue either, as long as I with a personal or commercial use state the GVW I am going to run down the road at for both the two rig, and trailer size added together. All trucks here pay tonnage, personal or commercial use. Your GVW is tare times 1.5 to the next highest ton. My 15 series half ton is licensed for 8000 lbs, not the 7200 lb door sticker. As is my sons 1500, the other has a Tacoma, also registered at 8000 lbs. ALl three trucks are in the 4800-5400 lbs empty relm. Too heavy for a 6000 lb registration. 8000 it is! We are legal to that amount on the two axles.
This is fourty years of running light and medium duty rigs in business use. Yes, I have been pulled over with my actual weight over the manufacture's weights, I have yet to get an overweight ticket! I have heard BC is a bit stickier on this.... At least where I am, look up RCW45 and 46 to get how the weight laws affect me here. My guess, other states are very similar, as they ALL have to follow the "federal bridge laws" or lose road funding for roads. Those max limits are based on years of weight laws for roads going back to roads for horse and buggies etc in the mid 1800's here in the states. Lbs per axle, and lbs per inch width of tire, so the engineer spec point load for the road is not damaging the roads. That is the weight that ALL of us get to run down the road at, ASSUMING, you have enough paid for license weight.
My 02 for the day.
MartyNot sure what you’re trying to say or how it relates to personal use insurance….
