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Thread: Insurance: Dodge 4500/5500 Ford F450/550 GMC Kodiak

  1. #1
    Join Date
    Jan 2011
    Location
    Livingston, MT
    Posts
    95

    Default Insurance: Dodge 4500/5500 Ford F450/550 GMC Kodiak

    Just bought a Dodge 5500 and am having trouble insuring it. Has anyone decoded how to get it registered as an RV. Am putting a camper on a flatbed and it will be used primarily as an RV.

    If you own one of the big boys..please tell share your insurance strategy. Some agent is going to get some good business

  2. #2
    Join Date
    Mar 2010
    Location
    Bakersfield
    Posts
    663
    my mom is an underwriter for state farm, I'll ask her.

  3. #3
    Join Date
    Apr 2011
    Location
    Born in USA live in U.S.S.A.
    Posts
    584

    Default Your?

    Suggest, a review of the state statutes relating to titling for RV's. What the authorities want are taxes/fees for a heavy truck and an RV taxing schedule would mean a lot less $$$$ to them from what I have observed. To try too decipher the law seems a big task at times because again the authorities want $$$$ so the heavy truck fees are all they want to see.

    Case in point; My 1999 K2500 Suburban was titled as a heavy truck over 5k lbs used commercially, but I do not use this vehicle for commercial enterprise nor has it ever been used for such enterprise, but once it is titled that way it's like the title/taxing/authorities now can't see, hear or speak of any remedy and only want the heavy commercial truck tax/fees.

    I've researched this thoroughly I know in Florida the vehicle has to have one (1) of the following to qualify as RV "and fifth wheel equipped vehicles do not apply";

    Wired 115 volt circuit, fresh water w/plumbing, or toilet.

    What qualifies as for 115 v circuit? Inverter "wired".
    What qualifies as water w/plumbing? How about a Jerry water can w/hand-pump!
    What qualifies as a toilet? A porta potty or similar device.

    Then the next problem is the insurance industry if the vehicle was not upfitted as RV by some commercial entity.

    Anyway, good luck with your quest.
    1999 GMC K2500 BURBAN, NAVISTAR enhanced 6.5 td aftercooled, dual alt's, PSC p/s pump w/HD cooler, redundant FSD's, HEATH program, turbine/downpipe wrapped, 4" SS exhaust, real time OBD2 data logging w/device controller, EVANS waterless coolant @ zero (0) psi & 135 gpm pump, 4L80e w/kevlar and premium steel w/cryo treated input/output shafts running @ 100 deg. F & 140 deg F towing, all synthetic fluids, AMSOIL bypass system, MileMarker hydro, dual fuel tanks, and on and on, questions PM me.

  4. #4
    Join Date
    May 2011
    Location
    NW Fremont County, Colorado
    Posts
    17
    I ran into this problem when I bought my F450 in 2008. Found out that USAA considers anything above a F350 a commercial vehicle, which they would not insure. Imagine my surprise sitting in the dealers lot in a new truck and not getting any insurance from my carrier of over 30 years.

    Anyway had to go through USAA's general agency and got a policy through Progressive. They seemed to understand the situation and issued a commercial policy that is for personal use. SInce then I have also gone through Progressive for my truck camper (RV) insurance. They also understood that TC don't have titles here in Colorado and knew how to handle it.

    For RV insurance you may want to look at the Good Sam site as they are always sending me RV specific insurance mailers.

    My two cents.
    Pat

  5. #5
    Join Date
    Jan 2011
    Location
    Reno, NV
    Posts
    10
    I have a GMC Topkick C4500 and I have purchased insurance through Progressive Commercial for $623 per year. This is a commercial policy for a non-commercial, personal use. I did not think that was a bad price for full coverage.

  6. #6
    Join Date
    Nov 2007
    Location
    New Mexico
    Posts
    47
    I tried going through my usual GEICO account for my 5500, but they transferred me to their "commercial division". It is actually a different carrier. They did insure me but I need to do some rate shopping as they were a bit expensive. I had my Freightliner insured through Interstate which I purchased from Twin Peaks Insurance in Florida. Interstate's rate was pretty good, but it was an "RV only" policy. Meaning that I could not pull my gooseneck flatbed, or anything but my RV and stay covered. It sounds like their product may work for you. http://www.twinpeaksinsurance.com/ hope this helps. Let us know what you find out.
    2011 Dodge 5500 4x4 CrewCab in Progress

  7. #7
    Join Date
    Jan 2011
    Location
    Livingston, MT
    Posts
    95
    Thanks to all for your guidance. My update: Travelers with whom I spend a pile-o-money insuring a number of assets is going to LOSE all of my business. So far St Farm is trying to work with me. In the process, I discovered that there is a method to get the truck with camper registered as an RV. I am awaiting final instructions from the MT department of motor vehicles but this seems to be the best course of action. Next stop will be Progressive, just to compare rates. But I can tell that I am very disappointed in Travelers

  8. #8
    I have my Dodge 5500 registered through my farm. So I did not have any problem getting insurance....

  9. #9
    Join Date
    Nov 2010
    Location
    Up norte in da cold/Twinkie Cities
    Posts
    101
    I initialy had the same problem, Ive gone through USAA for some time and when i bought my F550, the went tthrough progressive as well, i am for full coverage paying just shy of $700/year. ive been thinking however just droppin down to liablility. but we will see. its not like if i get hit or anything it will get hurt seeing as i have plate steel up front and out back, and i dont roll the thing over 60mph, and it gets used at the rate of 5k a year.
    2006 Ford F550 Crew 200" Wbase, Trek truck in progress.
    2001 BMW Dakar

  10. #10
    Join Date
    Nov 2010
    Location
    Up norte in da cold/Twinkie Cities
    Posts
    101
    Guys,

    Awesome news, join USAA, I just asked the wife again about insurance for Moby(F550). She said since I put a box on it they I nsure it as a private pickup and not commercial even though It started life as a commercial rig.
    2006 Ford F550 Crew 200" Wbase, Trek truck in progress.
    2001 BMW Dakar

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