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Old March 26th, 2014, 03:54 PM   #1
cerial
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Default Insurance agents are making mad

I got this 1 ton 1984 flatbed last Friday. I like the thing and plan on keeping it. I don't want to use it commercially. I just want to move around my junk and daily drive it. I am alright with getting the single digit mileage because most of the places I drive are within 30 miles from my home.

Since Monday I have been calling around, and calling around, and freaking calling around.
Seems something has happened in the last few years. Insurance companies think that having a 1ton means I am going to hook a 30 foot trailer onto it and head cross country pulling cars. Realistically the bed on this will be empty a majority of the time. It surprisingly rides like a 1/2 ton unloaded and soaks up bumps great. I may haul a few things but nothing over the GCVW for truck. I have had a 3/4 ton utility truck in the past that rode like hell. It was easily heavier then this and had a few instances of the back axle getting air due to how stiff the springs were. That was a 85 F250 not a issue at all.

I don't get it. I have had PLPD on a freaking 3 ton "wood truck" in the past and did not hear one issue. It was back in 01. But, jeez this thing is far safer then that ever was.

Anyone have any issues getting a 1 ton insured and who did you go through?

It is not like I have a terrible driving history. Back when I was a teenager yes. I had my license a total of 4 months before seeing the magistrate. But, I have matured a little bit since then and have not had any tickets in over 3 years. My credit is not terrible either and most companies have told me they would gladly insure me just not this truck due to there "policy".

I have a local agent "looking" and was really hoping to hit the state office tonight so I could test out my new breaks on Saturday. That's a no go at this point. I will be lucky to have this insured by next Wednesday.
The fact it says "Stake" on the title has people running. I continue to mention that it is a "stake" truck so that when that texting teenager hits me my but does not need to worry about ending up in court.
I simply want to have PLPD on this thing without getting a DOT number to do so.

Ok, end rant. Thank you for your time any help is greatly appreciated.
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Old March 26th, 2014, 04:16 PM   #2
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I got PLPD on my S-10 and XJ thru State Farm. Not a bend you over price either. It shouldn't matter what it is, I think.
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Old March 26th, 2014, 04:46 PM   #3
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I am guessing when they asked you simple yes and no questions for your policy you gave them 5 page mindless dissertations that sent them into a tizzy and they realized they didn't want to deal with your dumbass so they quoted you a ridiculously high rate to get you to go away.
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Old March 26th, 2014, 04:46 PM   #4
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I had an older chevy one ton and at first the plates (don't recall the insurance) was CRAZY expensive because the way the vin/title showed up they assumed or thought it was a commercial vehicle. When I asked about why they were so expensive they had me bring in the title and they re classed it to not flag as a commercial truck but with the same weight. Cut my plate cost by about 75%.
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Old March 26th, 2014, 04:47 PM   #5
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I am guessing when they asked you simple yes and no questions for your policy you gave them 5 page mindless dissertations that sent them into a tizzy and they realized they didn't want to deal with your dumbass so they quoted you a ridiculously high rate to get you to go away.
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Old March 26th, 2014, 04:55 PM   #6
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Quote:
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I am guessing when they asked you simple yes and no questions for your policy you gave them 5 page mindless dissertations that sent them into a tizzy and they realized they didn't want to deal with your dumbass so they quoted you a ridiculously high rate to get you to go away.
I was thinking the same thing while reading this, but couldn't put it into words. I would have never of thought to use 'tizzy'. Amazing.

/thread.
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Old March 26th, 2014, 06:12 PM   #7
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You not only one with this. I tried to get a insurance on my 1994 Fsuperduty service truck.

First thing they tried PLDP the computer wouldn't let them do.

They call insurance company. They said it is "commercial" so they put me in commercial insurance policy. FREAK $5000 a year to insurance Fsuperduty that only see 3000 miles a year.

Been fight with them to get PLDP they can't do anything so I gave up and sold that truck to my friend. I replaced with 2004 E350 passenger van.
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Old March 26th, 2014, 06:16 PM   #8
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I have state farm for my flatbed F-350 no problems here.
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Old March 26th, 2014, 06:39 PM   #9
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Just talked with a old friend with a 4500. He set me up with a agent at Geico. Called them up, after mentioning about the stake bed I talked with the commercial dept. Wham, bam $511 less then state farm and the others.

Back to ordering parts.
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Old March 26th, 2014, 06:45 PM   #10
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My 07 E450 box/cube van (18' enclosed box) was a commercial policy with state farm. Told exactly what I was gonna go with it, put my buggy inside and transport. All I had to do was send in 4 pics of van. Plpd was like $75 a month. No issues, no hassles.
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Old March 26th, 2014, 06:49 PM   #11
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Quote:
Originally Posted by kickstand View Post
I am guessing when they asked you simple yes and no questions for your policy you gave them 5 page mindless dissertations that sent them into a tizzy and they realized they didn't want to deal with your dumbass so they quoted you a ridiculously high rate to get you to go away.
You're all right for a white guy.
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Old March 26th, 2014, 06:52 PM   #12
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Quote:
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You're all right for a white guy.
I giggled
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I was teasing him cuz mines bigger and louder
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Old March 26th, 2014, 07:55 PM   #13
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Quote:
Originally Posted by 8PTBUCK View Post
I was thinking the same thing while reading this, but couldn't put it into words. I would have never of thought to use 'tizzy'. Amazing.

/thread.
You read it?
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Old March 26th, 2014, 08:04 PM   #14
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Quote:
Originally Posted by kickstand View Post
You read it?
I did. I was hoping there would be real substance. Just a big explanation that he has a big truck.
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Old March 26th, 2014, 08:11 PM   #15
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I like truck nuts and I cannot lie.
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Old March 26th, 2014, 08:15 PM   #16
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Ruth to the Rescue here, anything I can help with?

I've been working on a special report dealing with insurance fraud, both from the customer perspective as well as the agency perspective. It seems you trying to insure a commercial vehicle as a personal vehicle would be a perfect case to learn more about.
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Old March 26th, 2014, 08:20 PM   #17
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Quote:
Originally Posted by Ruth Spencer View Post
Ruth to the Rescue here, anything I can help with?

I've been working on a special report dealing with insurance fraud, both from the customer perspective as well as the agency perspective. It seems you trying to insure a commercial vehicle as a personal vehicle would be a perfect case to learn more about.
Leanz must be watching American idol?
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Old March 26th, 2014, 08:25 PM   #18
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I have an 08' F-350 Diesel with full coverage and the insurance isn't much at all. I did not try for PLPD but I don't think it would be an issue. I have Liberty Mutual.
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Old March 26th, 2014, 08:26 PM   #19
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Originally Posted by Skooter_Built View Post
I like truck nuts and I cannot lie.
You other truckers can't deny
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Old March 26th, 2014, 08:35 PM   #20
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cab and chassis trucks have higher rates. I am guessing your 84 i ton was a cab chassis truck, sold without a bed.

Try get vintage/classic coverage instead.

And in the future, check ins costs before you buy said vehicle, boat, etc
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