Wondering how folks with the larger pick up trucks are insuring. The plan is for a flatbed with my slide in pick up camper. Trying to consider cost to insure a 45/5500 vs a 3500 cab and chassis. Called progressive and they won't do it. Will make some more calls tomorrow but tired of being on the phone to get a quote. I guess the larger trucks are considered commercial even though it won't be used for commercial purposes. Has anyone else priced the insurance cost difference between a 3500 and 4500?Thanks.

It's a big difference, mainly because commercial insurance requires $1,000,000 liability coverage.Can you "permanently" mount the camper? If yes, then you can register and insure it as an RV.

Thanks Bryan, I will explore that option. Not sure How I could say or prove it's "permanently" mounted though.

Call a local insurance broker. I suspect lesser known but quality insurance companies would do it; especially if the vehicle is titled in your name. You just may have to switch over everything to them. But then again, if my insurance wouldn't do it for me, I'd take my other vehicles and house policies somewhere else anyway.

Called progressive and they won't do it. Interesting! When I was looking at purchasing a 4500 Progressive was the best rate. I had to send them a pic of the camper on the truck (flat bed) and sign some stuff that the truck would not be used commercially especially as a tow truck.

Progressive will do it, but only went as far as a commercial vehicle. I never asked about registering it as an RV.

Insurance for Ram 45/5500 | Good Sam Community

carringb
Explorer
Feb 04, 2016
It's a big difference, mainly because commercial insurance requires $1,000,000 liability coverage.

Can you "permanently" mount the camper? If yes, then you can register and insure it as an RV.
DieselBurps
Explorer
Feb 04, 2016
Thanks Bryan, I will explore that option. Not sure How I could say or prove it's "permanently" mounted though.
lawnspecialties
Explorer
Feb 04, 2016
Call a local insurance broker. I suspect lesser known but quality insurance companies would do it; especially if the vehicle is titled in your name. You just may have to switch over everything to them.

But then again, if my insurance wouldn't do it for me, I'd take my other vehicles and house policies somewhere else anyway.
jmtandem
Explorer II
Feb 05, 2016
Called progressive and they won't do it.

Interesting! When I was looking at purchasing a 4500 Progressive was the best rate. I had to send them a pic of the camper on the truck (flat bed) and sign some stuff that the truck would not be used commercially especially as a tow truck.
DieselBurps
Explorer
Feb 05, 2016
Progressive will do it, but only went as far as a commercial vehicle. I never asked about registering it as an RV.
davidaf
Explorer
Feb 05, 2016
I had bluesky with my 450 and RV. they won't insure normal passenger vehicles. When I bought the 3500 I had to go back to progressive. Rate went up a bunch over bluesky.
Cummins12V98
Explorer III
Feb 05, 2016
There is a reason the F450 and RAM 3500 Dually's are no more than 14K GVWR. Any higher they become "Commercial" and your tabs and insurance can be MUCH higher!
Jim-Linda
Explorer II
Feb 05, 2016
Cummins12V98 wrote:
There is a reason the F450 and RAM 3500 Dually's are no more than 14K GVWR. Any higher they become "Commercial" and your tabs and insurance can be MUCH higher!

Very strange, I have a FL60 Freightliner that has been insured as a standard truck (also inspected) for 20 years, NOT commercial. I use National Interstate for the truck and trailer.

Jim
carringb
Explorer
Feb 05, 2016
DieselBurps wrote:
Thanks Bryan, I will explore that option. Not sure How I could say or prove it's "permanently" mounted though.

Probably won't need anything more than a letter for the insurance company, but the state DMV may want to do an inspection. Bolting it down should be "permanent" enough. That's how nearly all box truck bodies are attached.
TexasRangerRzR
Explorer
Feb 05, 2016
My F-450 is on a separate (from my other vehicles) commercial policy through Erie, but didn't really have any impact on the premium cost as compared to the initial estimate of putting it on my existing auto policy.

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