Insurance and RAM 5500

Cliff and Michele wrote:

bighatnohorse wrote:

Bedlam wrote:
USAA connected me to Progressive Commercial. They wrote up a commercial policy for exclusive personal use. My Ram 5500 is a 2015 model and I pay under $1k/year for full coverage.

Do you have an agent that you work with?
(I'm wondering how to get with an agent that I can communicate with and who understands what I'm asking.)

After talking to about five people from both Progressive and USAA I was finally connected to someone who REALLY knew her stuff. I think I was dealing with new hires who were not spun up on their jobs. I had to explain to one "agent" the difference between truck weight and GVWR. No clue. I am putting the camper on a flatbed. Another could not get through his head that the flatbed was not a towed trailer but mounted on the truck. Sarah Warner at USAA Commercial really knew her stuff. Wish I had her direct number, I would give it out.

So I got my insurance. Since the value of the truck and all its permanently mounted gear will be $125K and I set high liability limits, the cost is $3600 per year paid annually. Not a bargain but good, solid coverage. Going to look for camper insurance more now. I had to explain to someone that a truck camper is removable. I really think it is just people not well trained thrust out into the call center but I should not have to train them.

Glad you got it figured out, but fwiw, that is WAY high, if you're a low risk customer (credit score, accidents, tickets, qualify for discounts etc).
And that doesn't even include the camper?
The TC, even a new expensive one should be under $500/year.
Also, unsure what you meant about setting high liability coverage because the truck is expensive.
Comp and collision cover the truck. Liability covers you when you get sued. Not totally, but somewhat mutually exclusive of the vehicle or it's value. Liability limits should be what your comfortable with whether you're driving a Honda civic or your 5500.
And even if you took, say, a $2M umbrella policy on top of the auto policy liability, swag guess is that would be $500/year tops.

JMO