I have triple aaa, my truck is 2012 f350. I had yukon xl 2014 prior, my insurance actually went down 100 bucks with the f350.

 

I didn't even know AAA had insurance.

 

My 350 is cheaper than my 02ram 2500 or my Dakota...

 

Who do you use SOB?

I read on here that Nationwide was good, but they want over a grand a year on the truck, (plus my 3 other vehicles), brought the total price to 3gs. I have no tickets or anything, nor does my wife.

Geico's by far the cheapest (1300/yr for 4 cars) but they were really rude on the phone and I keep reading horror stores like this: http://www.powerstroke.org/forum/general-diesel-discussion/229225-geico-cancelling-my-policy.html

 

Allstate insured my 2011 F350 dually beginning two months ago...and they took it above BlueBook value so...I'm in SC/GA

 

Wow really? Thats really odd. They told me they do F250s but can't insure F350s.

I wonder if its a State thing. I'm in Ohio.

 

USAA... By far and away the best rates for me.

 

Don't you need some connection to the armed forces for USAA?

 

OK so Lets say base is X.

Geico is X+ $24
Liberty Mutual is Base + 268
Progressive is Base + 379
Amica is Base + 1821

 

I am a State Farm Insurance agent and I have a 2012 F350. Cheapest vehicle on my policy. Only time I see problems with the F350 is when it is a DRW and they make us write it on a commercial policy that is only slightly more expensive.

You will also find that insuring your house/renters policy with the same company you insure your vehicles will save you money.

 

Someone must be a risky driver.

What kind of coverage are you shopping for?

 

I had the same issue. I took all my policies to all state, insuring my 350 is about 25% more than my 250

 

F350 DRW and never had any issues...strange

 

You guys have it easy, try insuring a chassis cab. Under personal use. (Not commercial) usaa will do it for me. Allstate would only do commercial.
And usaa is cheaper for me.

Sent from my SAMSUNG-SM-G890A using Tapatalk

 

I live in Ohio and have State Farm. The difference going from my F-150 to my F-350 was almost nothing... I have all my policies with them, and when I shopped around I actually had a broker I know personally tell me to stay put.

 

Have you called State Farm yet?

 

I have Allstate and don't have any issues. Had state farm before, again no issues.

 

It does vary state by state, but my 350 was about the same to insure as my 150. However, I too have found companies that will not insure it at all.

 

Never had a problem insuring an F350, had 2 of them so far. :dunno: I go through Mutual of Enumclaw.

Just remember when you are comparing insurance prices/quotes, that you are comparing the same numbers. Some companys say they can save you money but by doing so, all they are doing is cutting your rates and not giving you as much coverage..

 

I ended up with liberty mutual. For full coverage, 300/500, I'm looking at about a grand for four cars and another grand for our house. I find it odd that some people could insure the 350s and others can't.

Travelers explained it's based on gvwr and Vin. I know it's possible to get the lower gvwr rating for f350s when you buy them, so I wonder if that has anything to do with it? It's also different between 2005 and 2008.

Still surprised but ended up finding one satisfactorily.

More surprised that liberty mutual was cheaper through an agent than calling them direct.

 

I'm in CA - I've owned my F350 for 10 years, insured by State Farm the whole time. Absolutely no issues getting it insured.
We've been SF customers since we first got married 40 years ago. I just called our agent, told her the info - Done!

 

I've been with Geico a long time now.. Even now that I'm out I still get Geico Military department when I call.

Years ago when I got the italian two door the first customer service people I talked to at Geico didn't want to cover a Maserati.. So I looked into USAA which didn't bat an eye at the car but found out they outsource motorcycle to progressive. I called geico back and got a different agent, I mentioned USAA's rates for the coupe, I schmoozed and they were able to cover the car, truck and two bike menagerie the most competitively.

With ins companies I think it depends if you get the first level sales people who only know how to look things up or their next level supervisor who has the experience to evaluate risk and is allowed the power to make decisions to match.

In regards to registration in CA even my SRW F250 is a "commercial" vehicle. I'm so sick of this states scams to drain the working class.

I'm looking into setting up a charitable organization since I frequently take other combat wounded vets horseback riding with me on my other horse.

 

Hate to break it to you but in California ANY pick up truck is automatically registered as a commercial vehicle. Unless it has a camper shell it can be reclassified but the shell can never be removed as long as it's reclassified. My F350 runs about 360 a year for registration and 1200 for insurance. My reclassified F250 with a camper was costing $85 for registration and 600 a year for insurance. Same coverages

 

Yeah so I'm Canadian and we are only required to pitch in $20/yr to a "Save the Polar Bears" fund, and have a $3.50 melting policy on our igloos in case the sun gets too strong and our neighbours have to take us in ...


I've had trouble insuring my dually here ... Many companies won't insure "commercial" vehicles ... Our ministry of transportation requires that all vehicles with a GVWR above 4500kg (9920 lbs) be registered commercially, even if you don't use the truck for business. Mine is registered at 6000kg (13,200lbs) so if I'm ever asked to jump on a scale and my trailer is loaded, I'm safe. Once the insurance companies hear that your registered weight is up that high, they don't want anything to do with you.

Also, I'm 23 and paying $3600/yr on just my truck ... + trailer + boat + house.

Thankfully the healthcare is free ... I have to get the Dr to look up the chute to make sure the insurance companies didn't make me too butthurt every year.

 

Yea well Ontario has some pretty ****ty laws regarding personal pickups and weight ratings.

Out here in Alberta you can own a 550 and so long as it is personal use the only weight rating you have to care about is the ones on the tire sidewalls. In theory I can put my truck up to 16 000lbs and it's legal. Frowned upon, but legal.

In BC you have to be within your axle weights, which makes more sense. But again you can register any vehicle for either personal or commercial use.

In both cases age and sex is more of a factor when it comes to insurance rates than what the vehicle is. My full coverage is $98 per month for my 2005 F350 SRW (about $72 murica-dollars).

 

I just went through the same thing and I live in Ma.. I traded my 2011 f250 for a 2016 f350DRW, the stated required a commercial plate on the new truck, per law "5 tires or more touching the ground must have a commercial registration" For me it worked out better as my wife owns a business and we tossed the policy that direction so now we pay $200 a year less. Downside is that it cost us $280 a year for the registration rather than the $50 that the f250 was costing us.

Yes, my state sucks!

 

God I don't miss CA registration fees...

I just payed mine here in MN... $102

 

Registration isn't bad on my other cars. It's about comparable to yours. 100-140 bucks a year. It's just the commercial fee that is bs. I have a work service truck and that is a commercial vehicle. My personal pick up? Not so much.

 

disabled in kommiefornia reg is 96 a year and farmers is about 370 a year but it includes my 38 foot 10k# travel trailer...only problem with farmers is they constantly apply payments to the wrong policy :doh: :tard:

the corporate office has its head up its ...

 

Here in MN any 350 has to be registered as commercial. If I had a 250 I could have regular 6 digit plates instead of the Y plates (commercial) and that cost would go down by about 20%.