Who do you use for insurance? (in the states)

[skippythedog]

Got a new FG140 this Summer to replace my Tundra and currently have a policy through a Progressive Commercial policy, $1439/ annually (w/ a spotless driving record).

I use it as a daily driver. All my pals laugh at me but my FG is 4 feet shorter, skinnier than my Tundra, gets substantially better mileage and is actually more comfortable to drive (w/ a bit of front spring/shock work)....handles good too.

I haven't shopped around much yet but it seems like anything over 10 or 12 thousand pounds is automatically a commercial vehicle (Even AAA has no provision for this vehicle though I thought it could be categorized as an RV)..

The truck is rated for 14,050 though my pending SRW conversion will derate it a bit. Truck weighs 8600# empty. Is it possible to arbitrarily derate it and declare a max weight of xxxxlbs?....My agent tells me it's the vehicle VIN # that tells the insurers what it is and you can't futz with that....but she's been wrong before.

Mainly, I'm just looking for a company that understands and has a category rating for this vehicle and it's intended use or lack of use. This truck is NOT being driven by a minimum wage kid delivering groceries in downtown Seattle traffic all day long:ylsmoke:..............might be some of the same companies that insure the Unimog owners, huh?

 

[Howard70]

State Farm

We use State Farm. Our EarthCruiser is registered in New Mexico as an RV so that could help. We're insured for replacement value with a $2,000 deductible for less than your amount. However, I've heard that other State Farm offices aren't interested in insuring similar vehicles so it might depend on the specific agent's willingness to work on the policy. We also have all of our other polices (vehicles, a couple of trailers, and two homes) with the same agent. That total amount of business might help?

Howard

 

[dlh62c]

Getting insurance on these trucks can be problematic. As you know, it's the VIN number that drives the policy. If you've been able to get insurance and keep it, don't rock the boat.

Insure it for what it is, not for what you intend to turn it into. Once the RV certification is complete, then search out RV specific coverage.

It there's a cargo body on the back, configure the rear door or doors so someone can't lock you in. Toss in a hammock, a mattress or a couple of cots and hit the road.

 

[kerry]

American Family but I don't know the price off the top of my head. It's insured as a motorhome.

 

[Kmrtnsn]

If you're eligible to join, USAA has fantastic insurance.

 

[jhrodd]

I have Progressive Commercial and it costs $350/year for my FE and $300/year for my FG.

 

[pugslyyy]

Since I have a dealership/garage, I have a general "all owned and operated" vehicles policy with a blanket limit and dealer tags. If/when I plate it, it will be with specialty RV insurance as it is now titled as an RV.

 

[Decanter]

If you're eligible to join, USAA has fantastic insurance.

Do you have USAA with a CandC? They wouldn't do it for me.