I'm in the process of purchasing a 2009 Sportchassis (M2-106 GVWR 19,500) and have run into an issue trying to insure it.
After searching this forum for insurance companies, I called several insurance companies mentioned and most have said they do not insure in MA. So I decided to go through my local insurance agency and they said I would have to insure it as a commercial vehicle. I currently own a 2015 3500 GMC Denali Dually and it cost me around $1,100 a year with full coverage. (The GMC is registered with commercial plates but a personal policy) My local agent told me today it is going to cost me $3,048 / year to insure the Sportchassis!! I then asked if I needed to move my 2017 GD Momentum toyhauler to this policy also, and he said I did as it has to be on the same policy as the truck that is pulling it. OK, so how much is that going to be as I'm only paying around $550 / year for the toyhauler as it was on the same policy as my 2015 GMC 3500. He told me my toy hauler will now be $3,410 for a total of truck and trailer at $6,462 per year!!!!!
My question is there anybody else on this forum who insures a Sportchassis and a toyhauler in MA and what do you pay??
I have an excellent driving record so I know that is not the reason. My insurance says it is because the Sportchassis has to be registered as a commercial vehicle on a commercial policy.
TIA, hopefully some else has run into this before and can provide some insight.....