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HDT Insurance questions


ms60ocb

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I listed in a prior post,I'm starting to beat the bushes a little for MDT. The subject of Insurance came up. I'm finding that there are alot of road blocks. I have done a few searches and the HDT part of this forum, gives alot of options, each having problems.

I have heard Progressive will write a Commercial Policy, Private use, Not For Hire. But then it is said the truck couldn't be used for non RV related use. The stories go on.

I can see a difference between a HDT and a Class 5 MDT in use.

Insurance Companies should welcome the Class 5 MDT. This last weekend I walked the RV Park I'm in, and saw many Heavy FW's being towed by Class 2 pickups with minimum Braking compared to most Class 3 & 4's

What Insurance Company gives service in about 46 states with without some of the limits. A Freightliner M2 has only a few square feet larger foot print than my Ford F350, Is that the difference between Private or Commercial Insurance.

My F350 has a height of a couple feet less than Freightliner M2, does that make the M2 a commercial Vehicle. As a driver or passenger I can see the ground about 10 feet closer from the M2 than the F350, Does that make the F350 a private vehicle.

State Farm was mentioned on the HDT side, anyone with a smaller Class 5 or Class 6 have comments.

 

 

 

Clay

Ford F350 CC DRW LB 6.7

MS 38PS3

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Miller Insurance Agency in Oregon insured ours. The expert in the office for MDTs and HDTs is Stevia....she's pleasant, knowledgeable and very helpful. They insure on a "combo" basis (truck and trailer) and were actually less than we were paying for the coach and Dodge 3500 dually through our normal insurance company. The "use" restriction was that we couldn't use the truck as an every day commuter while at home.

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  • 2 weeks later...

I did my checking around and got 3 quotes. Good Sams was extremely low that scared me plus the girl told me when I asked for a sample policy. "Just sign up and they sent the policy for to read.

The other two quotes were similiar as my RV as covered by Foremost. I decided on Blue Sky but they were a little higher overall the fellow did an excellent job explaining the policy.

General Interstate was the third insurer. I just wonder if others will do like Farmers/Foremost and quite writing policies for Class 5 or 6 RV Tow vehicles

When I get on the road I will have to hit a scale again but sure I sure stop good now.

Clay with a used 2015 Freightliner M2 106

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  • 2 months later...

I did my checking around and got 3 quotes. Good Sams was extremely low that scared me plus the girl told me when I asked for a sample policy. "Just sign up and they sent the policy for to read.

The other two quotes were similiar as my RV as covered by Foremost. I decided on Blue Sky but they were a little higher overall the fellow did an excellent job explaining the policy.

General Interstate was the third insurer. I just wonder if others will do like Farmers/Foremost and quite writing policies for Class 5 or 6 RV Tow vehicles

When I get on the road I will have to hit a scale again but sure I sure stop good now.

Clay with a used 2015 Freightliner M2 106

Our 2005 Kodiak C550 is around $400. per year with Blue Sky. Being we have the Rv with them also, and even the price on it was half of our local insurance. Were in West Tn.

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Progressive insured my HDT as a motorhome. Said Texas registered as Motorhome they insure as motorhome. Asked about commuting on limited use and said sure. Motorhomes are some owners only vehicle. My agent is Twin Peaks in Florida.

Get it **in writing** either from them or your agent. CYA.

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I went up the food chain a LONG ways with Progressive. Unless your policy is different than here in MD, I have been told **in writing** that the HDT is NOT covered unless used in direct relation to it's use as an RV. So no trips to Homer's, unless you were "going to get fuel/whatever".

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I have Progressive, here in Texas, my truck is insured as a motorhome and I was not required to insure the trailer with Progressive in order to get insurance coverage. I only added the trailer for discounts and convinces. I only wanted to have to deal with one insurance carrier in the event of a claim that involved both truck/trailer.

 

As mention, insurance is gong to very by state even for the same carrier. For example some have their HDT insured thru State Farm. I can not insure my HDT with State Farm in Texas unless I am willing to pay commercial rates. This is due to State Farms charter with the state of Texas and how State Farm recreational vehicles weights are defined in their Texas charter. Basically the HDT exceeds what State Farms charter defines a recreational vehicle of being capable of. That is why it crosses over in to commercial territory. It is both timely and costly for State Farm to make charter changes with the state and basically they do not feel they are loosing enough market share to justify the charter change.

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I have read my policy twice. Specifically looking for a limited driving clause. It isn't there. I even called my agent and asked could I drive alone. That I would occasionally use it to live in on very short jobs. There is no wording that I can't. I am insured in Texas though.

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Like Rick and Glenn said, insurance varies within each carrier from one state to another. Someone stated that Farmers/Foremost wouldn't insure them. Well, they have the policy on my HDT and always had....in Texas. They even covered my HDT for a declared value, rather than bluebook, which I am told most companies will not do.

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I've got my 4700 insured through allied. It is a double policy with truck and 5vet, but no clause about driving solo. I specifically asked about driving limitations and the only one was in regards pulling other trailers for pay. In other words the truck can't be used for profit....The previous owner had coverage through State farm. They would insure it separately, but the cost was more than the Allied quote.

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I went to Miller Insurance to get insurance for my MDT. I have all my other policies through state farm but I thought $180.00 per month was RIDICULOUS. Not sure how the rest that I have read here and other places are getting good numbers through state farm and the other larger insurance agencies. Thing is I am 52 and have been insured with state farm since I was 16 and spent a 28 year career in Law Enforcement so trust me I am not a "high risk" to them. BTW Miller Insurance was A LOT cheaper.

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