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HDT Registration and Insurance


MoneyMakeranch
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Newby here trying to get a new to me HDT to Texas, I have found all the paperwork needed to get the truck registered as a RV/Motorhome but like everyone else having problems with insurance people. they don't want to talk without a CDL license even though I tell them it’s not for commercial use. as soon as I can get a date to get my class A exempt upgrade, I’ll be legal on that part but the insurance is the only hang up. I searched thru all the past posted and run into a wall on it.   Any HELP on this would be greatly appreciated for all you that have been thru this before and the correct things to tell them when talking to them. sorry this sounds like a rant but just down on trying to get insurance.

 

Moneyman

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Currently towing with a 2015 F350 dually and a 43ft toy hauler.  whole rigs comes in a around 32k so I know my class C isn't enough license in Texas, the truck will do everything I want it to but, wanting the creature comforts and most important, THE BRAKES to get it stopped!!!  getting ready for retirement soon so got to get things in line.     

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Each state is different and sometimes you may need to try multiple agents as not all know how to do it. 

If they say you need a CDL, show them where you state rules say you do not if you are not doing anything commercial with it. 

We have State Farm which we had when we lived in MN. When we moved to SC the agent here did not know how to do it and had to go contact the agent in MN to figure it out. In MN we could drive it on our regulate car license as long as it was registered as a motorhome (which it was) in South Carolina I have to have a Class F license which is a motorhome pulling a trailer where combined weight is over 26k#. Surprisingly, the wife can drive just the truck with her regular license as it is still a motorhome but under 26k# by itself.

Dave

Edited by Star Dreamer
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23 hours ago, MoneyMakeranch said:

 progressive will not talk to me without a cdl.

Then find a different agent. You do not need a cdl for a non commercial vehicle.  Texan Ins in Pasadena got my policy through Progressive. Stop giving them "extra" information, although you may have ruined that possibility through Progressive already. Dont say "I'm buying a commercial truck to convert". Tell them you are buying a large truck, class 8 if they insist...period

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2 hours ago, Big5er said:

Then find a different agent. You do not need a cdl for a non commercial vehicle.  Texan Ins in Pasadena got my policy through Progressive. Stop giving them "extra" information, although you may have ruined that possibility through Progressive already. Dont say "I'm buying a commercial truck to convert". Tell them you are buying a large truck, class 8 if they insist...period

Phil, thought I remembered you staying you went with Farm Bureau commercial policy for noncommercial use.

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