Who has the best insurance rate on Ford F450? - RV-Dreams Community Forum

SnowGypsy · RV-Dreams Family Member

Who has the best insurance rate on Ford F450?

two 4 the road · RV-Dreams Family Member

We called our auto insurance company and they told us that the F450 was classified as commercial vehicle and that it would be $2,400 a year! We called our old insurance (State Farm) and they gave us a figure of about $1,300 a year and did not mention anything about it being commercial.

We would love to know if you found a policy for less. Comprehensive and collision....$500 deductible.

BTW....I asked about insuring the Mobile Suites that we are considering, and was told that it would be only $24 a year!!! I almost fell out of my chair!! Can this be correct? State Farm said $340 a year, but that is without the multi-car discount.

Thanks in advance for your kind assistance!!

SnowGypsy · RV-Dreams Family Member

Insurance varies from state to state. And, with both Good Sam National General (which we just cancelled) and American Family (homeowner's discount, 2 vehicle discount, excellent credit, no tickets, no claims in years on anything) we were/are paying $259.00 a year on a 2011 pop-up camper, full coverage so, I don't understand the $24.00 a year and would surely made sure I understood what was going on. We are in KS but it is not that much more expensive here for auto insurance.

Always be very careful with your insurance policies and make sure you read them. We switched last month and she emailed me what the policy would include and costs before we signed the application and the check.

two 4 the road · RV-Dreams Family Member

Guess I should call the agent to see exactly what is covered, but she said that it was total replacement cost for a $30,000 fifth wheel.

two 4 the road · RV-Dreams Family Member

I checked online where there are a whole list of insurance agents and you can plug in your info to get a rate. F450 did not come up at all!! So...I am wondering where you guys have your F450s insured?

SnowGypsy · RV-Dreams Family Member

two 4 the road wrote:
Guess I should call the agent to see exactly what is covered, but she said that it was total replacement cost for a $30,000 fifth wheel.

Our is replacement cost for a value of $8,500 with a $500.00 deductible.

two 4 the road · RV-Dreams Family Member

Wow! What a difference!!

Terry and Jo · RV-Dreams Family Member

I should mention that a number of folks use different "brokers" for getting their insurance. Some, including ourselves, have been in touch with Miller Insurance out of Oregon. They are "licensed" to sell insurance for every state, while there are some others that can't provide for all states.

In our case, we have our Mobile Suites, our F450, and our Ford F150. The Mobile Suites and F450 are on one policy as the "RV" with the F150 being on a separate policy. I'll also mention that the Mobile Suites has a "total replacement" policy in the event of a disastrous event. After all, it is our one and only home.

Terry

Bill and Linda · RV-Dreams Family Member

We’ve had very good response from Progressive, including price, who is in the business of “We Insure Almost Anything.” Progressive will insure a vehicle for its true value where some others will not. By that I mean if you make upgrades to a vehicle, such as a hauler bed as we have, Progressive will insure the actual value of that vehicle including those upgrades, not just the value based on the VIN number. All you need to do is validate those costs as part of the policy when it is written. It was very easy for us when we did this.

If you are considering a vehicle, like an F-450 which is an MDT and considered a commercial vehicle in some cases, I would check them out. Not a lot to lose. We also found they had very competitive rates for the 5er as well as “packaged” the rate with the truck for some additional savings.

Keep in mind the best rate doesn’t mean the best or adaquate coverage when you really need it.

On edit I wanted to add that, like Terry and many others, we carry actual cost replacement value insurance on the rig and truck. "Depending" on your situation this may be a good idea. The odds of needing it are great enough to warrant this expense IMO as many of us are pulling $100,000+ down the road and things do happen.

Just perspective.

Bill

-- Edited by Bill and Linda on Tuesday 29th of October 2013 07:12:48 AM

NWescapee · RV-Dreams Family Member

We also went through Miller's Insurance, Janet actually attended the RV Dream Rally in Harrisburg OR in Sept 2012 and very clearly articulated why not all insurance policies are created equally.

www.millerrvinsurance.com/

Part time vs. Full time insurance is quite different on the same RV. When we first bought our 5'ver we were still considerd PT, when we offically switched to FT, the rate went up quite a bit.

However, we now no longer have home owner's insurance so for us our overall insurance costs actually went down. Our policy also included the F450 and a storage unit we left behind in WA. The folks at Miller's insurance will ask you a ton of questions to make sure the policy is the right one for you and the coverage you need.

two 4 the road · RV-Dreams Family Member

Thanks everyone! I see that the Miller Insurance is for RVs. Is it better to be insured by an RV specific company?

soos · RV-Dreams Family Member

I tend to think its better to use a company that deals with RVs on a regular basis.

It can be confusing, and the F 450 adds another layer of complexity, although its worth it.

Our policy that we had with Poliseek had a rule that our f450 could only be used to tow the trailer, and not as a daily driver, UNLESS we are fulltimers, which we are. The policy was with National Interstate. We switched to Miller this year because our price went up substantially with National Interstate and we are now with Nationwide.

I believe we pay about $2000 for both truck and trailer. it includes fulltimer Liability and personal effects coverage.

Sue

Terry and Jo · RV-Dreams Family Member

Our results through Miller insurance was just the opposite of Sue's. We did go with replacement coverage, but our best offer was through National Interstate.

Terry

mds1 · RV-Dreams Family Member

This older thread seemed like a good place to ask this question.

Is the insurance higher on a Ford F450 compared to a F350 for reasons other than if the truck replacement cost is higher?

If the truck insurance is much higher on the larger truck; that could keep me in the lighter fifth wheel range and help reduce the number of trailers we are looking at.

SuzieQ · RV-Dreams Family Member

You may want to talk with your insurance agent. Years ago they could give estimates.

Terry and Jo · RV-Dreams Family Member

It's not always good to revive an old thread. What happens is that others come along after it has been "revived" and think that even the information in the earlier posts (years earlier at times) is still valid and up-to-date information, thus leading them astray when they find that "current" information may be totally different.

It is almost always better to start a new thread rather than revive an old one, especially if it involves specific information about "products."

Terry

soos · RV-Dreams Family Member

I agree with Terry.
We have an F450, and before that we had an F 350. But the new trucks have totally different towing capacities and insurability.

If we were buying a new truck I don't think we would see a need for the 450. The new trucks tow more than our 2011 does, and it tows a LOT more than our 2006 did.
If you have an insurance agent, have them run some scenarios for you.

Sue

Glenn West · RV-Dreams Family Member

We went with an HDT for towing. Our cost went down on insurance. Progressive insures the HDT as a motor home. Tow with a small car on back.

Howard · Host

Yes, I wish this old thread hadn't been revived and a new topic started, but since we're down that road, here is some info from our seminar on RV Insurance as it relates to large tow vehicles.

Often tow vehicles over one ton (Ford F450, Chevy, GMC, Dodge 4500 series) can only get commercial coverage which is expensive.

Some insurance companies have special programs to address this, but these special programs are often only available to RV specialists:

Most Automatically accept:

1-ton or under (basically Ford F350 and Chevy, GMC, & Dodge 3500 series) IF 12,000 lbs or less GVWR (10,000 lbs in some states)

Insurance companies have a list of acceptable vehicles if they exceed above criteria and they aren’t used for commercial purposes – Case-by-case acceptance

Programs require truck & trailer to have separate policies AND if the truck is sold, the trailer can remain under the same policy, but IF trailer is sold, the truck can’t remain insured under this program

Progressive is one company (there are others) that has this special program (in which they allow the tow vehicle to be insured under a special motorhome policy), but as stated above, this program is NOT available to every Progressive agent but rather just certain RV insurance specialists. So, your personal insurance agent may not have access, and it may be necessary to get with an RV insurance specialist for the best rates on tow vehicles larger than 1-ton.

Bill and Linda · RV-Dreams Family Member

As long as this very old thread has been "hit" and Howard responded:

Having quite a bit of experience now with the insurance question you asked let me suggest you contact Marlene Bounds at Miller Insurance.

www.millerrvinsurance.com (503) 636-6347

As Howard has outlined not all agents have access to all the policies / products for companies like Progressive.

Progressive, via Miller, offers for truck and trailer owners a significant savings by issuing what is know as a "Motor Home" policy as Howard commented. Simply put, for those with trucks that fall into the commercial range (even the F-450 pickup) Progressive will treat the truck cost wise as a "motorhome" as long as Progressive also insures the trailer.

When we initiated coverage on our 5500HD (which is a true MDT truck) it, with our trailer likewise insured, qualified for the Motor Home rate. There was a significant savings and even more if the first year policy was paid in-full at time of issuance.

Miller specializes in RVer needs. Not all agents do no do they have access to all insurance products. ("Ask me how I know this.")

Miller is highly recommended based on many years now with Progress and Miller.

Bill

PS - Feel free to ask any question - But, yes - best to start a new thread if one is older as much information could be out of date.

Safe travels!