NorseNW
Battle Ground, WA
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Joined: 06/17/2015
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I have an 2023 F550 on order and realized I have read and heard some insurance companies will not cover them. All my insurance has been through USAA for a few decades. I contacted them today and they said their limit for GVWR they will cover is 14,000. So I'm already at their top limit with my current Chevy 3500 dually.
I've been meaning to shop insurance anyways so I guess this will be my catalyst to get moving on that. Any of you fellow 550 / 5500 crew have any suggestions on companies or willing to share what rates you pay to cover it?
For reference the plan is the F550 / CM flat bed and Stablecamper box setup with a Arctic Fox 1150.
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SoonDockin
Oklahoma
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Joined: 03/25/2014
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I just went through that with my 2022 Ram 5500. My state registered it as a non commercial vehicle but USAA and State Farm would only cover it as a commercial truck since it had a flat bed. State farm was quite a bit cheaper but well over twice what I was paying for my F450.
Hope this helps some.
I went with a CM SK bed and have been eyeing Stable Campers boxes as well. So far I really like the added storage.
2022 Ram Laramie 5500 60" CA New pic soon
2018 Arctic Fox 1140 Dry Bath
Sold 2019 Ford F450 King Ranch (was a very nice truck)
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jimh406
Western MT
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Joined: 06/11/2006
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My F450 GVWR is 14500. My insurance is State Farm. YMMV.
'10 Ford F-450, 6.4, 4.30, 4x4, 14,500 GVWR, '06 Host Rainer 950 DS, Torklift Talon tiedowns, Glow Steps, and Fastguns. Bilstein 4600s, Firestone Bags, Toyo M655 Gs, Curt front hitch, Energy Suspension bump stops.
NRA Life Member, CCA Life Member
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Bedlam
PNW
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Joined: 06/13/2012
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I converted my F250 State Farm policy over to my Ram 5500, but the price shot up 50% at renewal and they coverted it to a commercial policy written for exclusive use. I shopped the market and also found USAA would not insure but they sent me to Progressive Commercial where they were able to write up a personal use policy close to what my smaller Ford was costing me.
Chevy Sonic 1.8-Honda Passport C70B-Host Mammoth 11.5-Interstate Car Carrier 20-Joyner SandViper 250-Kawasaki Concours ZG1000-Paros 8' flatbed-Pelican Decker DLX 8.75-Ram 5500 HD
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SoonDockin
Oklahoma
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Joined: 03/25/2014
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Interesting I started with USAA who covered my F450. They did the progressive quote but it was several hundred more than State Farm. It may vary from state to state.
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zb39
slippery rock
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Joined: 10/26/2009
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I had state farm, but just went to Erie, half the cost. USAA told me no.
2017 Host mammoth, sold
49 states, 41 National Parks, 7 Provinces
2019 2 door Rubicon 6 spd.
2019 Berkshire XLT 45B
2022 Host Cascade
2021 Ram 5500 Air ride
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