EnjoyingLife Posted September 17, 2019 Report Share Posted September 17, 2019 We called Progressive today as we presently have a F350, but wanted to move up to an F450 as we have a heavier fifth wheel now. When we called Progressive said that they do not cover F450 unless it is on a commercial policy and we tried to explain that it is just to pull our RV and the F450 has a regular truck bed, no flatbed. Can anyone give us what companies will insure a F450 without paying commercial rates? Thanks Quote Link to comment Share on other sites More sharing options...
travelinbob Posted September 17, 2019 Report Share Posted September 17, 2019 Yes indeed, 450's and my 550 are insured as commercial. You might try Miller Insurance and National General. Quote Link to comment Share on other sites More sharing options...
Steve from SoCal Posted September 24, 2019 Report Share Posted September 24, 2019 (edited) On 9/16/2019 at 8:38 PM, EnjoyingLife said: We called Progressive today as we presently have a F350, but wanted to move up to an F450 as we have a heavier fifth wheel now. When we called Progressive said that they do not cover F450 unless it is on a commercial policy and we tried to explain that it is just to pull our RV and the F450 has a regular truck bed, no flatbed. Can anyone give us what companies will insure a F450 without paying commercial rates? Thanks What state is the truck registered in? Commercial insurance is a different line but not necessarily more expensive. I have my Peterbilt insured in Kansas under a commercial policy with a million liability for 1000.00 a year. Edited September 24, 2019 by Steve from SoCal Quote Link to comment Share on other sites More sharing options...
palmeris Posted October 2, 2019 Report Share Posted October 2, 2019 Try Auto Owners Quote Link to comment Share on other sites More sharing options...
Consolenut Posted October 6, 2019 Report Share Posted October 6, 2019 State Farm insured my Topkick 4500 as a normal vehicle. No commercial insurance. Quote Link to comment Share on other sites More sharing options...
Randyretired Posted October 6, 2019 Report Share Posted October 6, 2019 We have a noncommercial policy from National General for our HDT. The rates are reasonable. Quote Link to comment Share on other sites More sharing options...
chiefneon Posted October 7, 2019 Report Share Posted October 7, 2019 (edited) Howdy! I use USAA and they insured my MDT 4400 International Custom Hauler.used to tow our 44’ 5er. ” Happy Trails “ Chiefneon Edited October 7, 2019 by chiefneon Quote Link to comment Share on other sites More sharing options...
solo318 Posted April 2, 2020 Report Share Posted April 2, 2020 On 10/6/2019 at 3:11 PM, Consolenut said: State Farm insured my Topkick 4500 as a normal vehicle. No commercial insurance. Sorry to bump an old thread, But I'm working with a State Farm agent who doesn't like weird stuff. How is you truck insured? what hoops did you have to jump through? Did you declare it to be an RV? Quote Link to comment Share on other sites More sharing options...
palmeris Posted April 2, 2020 Report Share Posted April 2, 2020 2 hours ago, solo318 said: Sorry to bump an old thread, But I'm working with a State Farm agent who doesn't like weird stuff. How is you truck insured? what hoops did you have to jump through? Did you declare it to be an RV? A topkick c4500, like the ford f450 subject line are pick up or chassis cab trucks nothing weird about them.... Quote Link to comment Share on other sites More sharing options...
solo318 Posted April 2, 2020 Report Share Posted April 2, 2020 State farm is squawking about a chassis cab 4700. Quote Link to comment Share on other sites More sharing options...
MidMOTraveler Posted April 9, 2020 Report Share Posted April 9, 2020 I have the 2017 F 450 Insurance with National General. When I called the first person I talked with couldn’t even find such a truck, quoted F350 so I asked for a supervisor. She laughed and said yes they insure as a SEMI ! I had to go out and measure the length bumper to bumper and the quote was LESS than the F350 quote, go figure, Quote Link to comment Share on other sites More sharing options...
hemsteadc Posted May 6, 2020 Report Share Posted May 6, 2020 State Farm did my F450, now doing my Sportchassis FL, no problem. I guess it depends on whom you talk to. Quote Link to comment Share on other sites More sharing options...
rpsinc Posted May 6, 2020 Report Share Posted May 6, 2020 I am not aware of this being available in other states than Cali, BUT, there is a way to challenge the commercial registration (which is the default here for pickups). It is a personal use exemption which has some different options. I ran into an older man giving up towing a large 5er, which he did with an F550 which had this personal use exemption, which he got by having the truck inspected with the hitch installed. It dropped the registration considerably, as Cali also charges weight fees on commercial trucks. My current '16 3500 costs me over $800 a year for registration. But it is a service truck for work. My '07 3500 costs me over $550 a year. I will be getting the exemption for this truck when the DMV gets back to normal service. This may help the issue of commercial insurance IF you can show that the vehicle is registered non-commercial. Quote Link to comment Share on other sites More sharing options...
Consolenut Posted May 13, 2020 Report Share Posted May 13, 2020 500-800 a year id make a trip somewhere else like FL or Sd and register there. Komifornia is out of there minds. 110 a year for my topkick and 45 for my massive 5ver. Quote Link to comment Share on other sites More sharing options...
GlennWest Posted May 14, 2020 Report Share Posted May 14, 2020 I know in Texas, State Farm and Progressive have a commercial policy for non commeercial use. Very reasonable. They do this for HDTs. Quote Link to comment Share on other sites More sharing options...
oldcodger Posted May 15, 2020 Report Share Posted May 15, 2020 I just changed insurance carriers the end of April from one big national company to another. We have almost the same declaration page with the same coverages plus additional coverage for the contents of the rig which is our home. This is saving us over $1,000.00 per year. But there is a but. You need to domicile in California or Texas and I am limited to 12,500 miles per year on the tractor which is licensed in Texas as a private truck. Dave Quote Link to comment Share on other sites More sharing options...
sbpierce Posted May 20, 2020 Report Share Posted May 20, 2020 I just insured my Sport Chassis here in Fort Worth under a personal policy with Stat e Farm. Then I had them quote everything I own and they ended up with all my business. Then the rate on the Sport Chassis went down. Very nice people to work with. Id be happy to share contact info if anyone is interested. Quote Link to comment Share on other sites More sharing options...
fishtilyableed Posted April 11, 2021 Report Share Posted April 11, 2021 I am in North Texas and would be interested in the information. Quote Link to comment Share on other sites More sharing options...
geodog1 Posted April 11, 2021 Report Share Posted April 11, 2021 I live in Midland and have a VNKL 630 registered as a motorhome, insured with American National. ShortyO Quote Link to comment Share on other sites More sharing options...
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