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
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.
Marty
Not sure what you’re trying to say or how it relates to personal use insurance….
In general, a class 4 and above will be considered commercial, even if personal use. In general, liability is 10-15% more for an mdt than a LD truck or car. Comp is about the same, Collision about 5% less.
As I noted, you won't get the legal gvw changed depending upon how the state licenses our trucks.
These derated truck, in some states, you may not be able to carry anything but a driver. The 450 pickups weigh something like 10000 lbs plus or minus a few lbs. License this at a 14K here in Wa, you can't haul per say that double slide camper that weight 6000 lbs, plus a person or two, unless you license it at 18K. Which by the way, would be legal, and one would be legal driving down the road! At least here, one is still buying a 16K license with a 10K tare weight. I know of more than one person with a 25/35 series CC SW pickup that weighs 8-9K empty, they have 12-14K licenses, despite the 9900 factory gvw!
Yes, one will pay more for a larger gvwr rig than a lighter one! HDT's from what I have heard are 25-40% higher in liability costs than an LDT!
One can get an MDT/LDT with a one year policy, that you only drive a few days a month, less than X miles a year like a classic car. That costs me $80 a month with my IHC. About half of what it is doing daily duty. I would assume a new one vs my 92 that is worth nothing all things considered, would be more $$ yet. This is with State farm as noted by many.
MartyI was paying $2600 a year for my 5500. State Farm.
