GA1dad, don't know if you are pulling a fiver, but be sure to check flatbed or utility body height will work with a fiver. Also mowing man had an excellent post. Can't tell you about Bulldog Territory, but when I bought our dually in Texas I was considering a flat bed or utility box. The salesman told me to check with the insurance company just for that reason. He was correct, it would have been higher. And it didn't have a thing to do with what he had to sell. The Texas dealers usually stock all sorts of beds, cabs and chassis, etc.