Dually Pick Up Insurance

Mike Fuller · 03-02-2011, 09:39 AM

Last month I ordered a new dually pick up. When my wife started to inquire about insurance rates she was told by my current policy holder that they could not insure this vehicle because of the GVWR. Has anyone else had this experince? How about resolutions to this problem. I know there is a large number of racers that have this type of truck. I found this hard to believe.

Alan Roehrich · 03-02-2011, 09:51 AM

Mike, I think it is fairly common in many states to find that they require either commercial or farm tags to allow you to make use of the GVWR of one of those trucks. Most standard policies do not cover a vehicle with commercial or farm tags.

I've always had either farm or commercial tags on my crew cab dooley Chevy trucks, and they did require a policy change. When I got rid of my last truck like that, they changed my policy again.

Never had to change companies, or for that matter, underwriters. But I have had to have an entirely new, different, and/or separate policy.

Sean Marconette · 03-02-2011, 12:02 PM

Mike what state do you live in? I tagged my dually for 20,000 lbs and it changed personal property tax but State Farm did not ask any questions, and rates did not change. I am in Kansas.

Sean

Myron Piatek · 03-02-2011, 12:42 PM

I'm in Florida and I seem to recall that Geico wouldn't insure a dually many years ago. But I checked back while shopping around several years ago and they allowed it! Like commercial vehicles, the tag renews in December, not in the month of my birthday even though it's registered as a personal vehicle. .

njk53 · 03-02-2011, 12:52 PM

In Michigan, our 1 ton crew cab Chevy dually registered and insured like any other car or truck. No special paperwork was needed.

Phillip marvetz · 03-02-2011, 12:58 PM

I had trouble with my old 1976 dodge flat bed a few years ago, I was told that if it had a pickup bed it was a personal vehicle, If it was a flat bed it was a commercial vehicle. Big difference in rates. The new (1998) has a bed and isn't a problem.

Mike Pearson · 03-02-2011, 01:01 PM

I have state farm. No issue with my dually insurance. $1200.00/yr. I live in Florida also.

Rod Greene · 03-03-2011, 03:31 PM

I had the same problem a few years back. The insurance company I had "Hartford " insured my 92 dually but when I went to add on my 97 they said they couldn't insure it. When I asked about why they insured the 92 they said they made a mistake and canceled it on the spot. I changed to Liberty Mutual no problem and last yeatr switched to Allstate and saved a bundle.

GTX JOHN · 03-03-2011, 04:05 PM

State Farm insures my 08 Ram 3500 Dual Rear Whl. for about $275 for 6 months.....was right on their computer program . My 08 Kodiak 4500 9' Flat Bed required special Underwriter Approval from Main Office........$560 for six months.

Chuck Beach · 03-03-2011, 04:15 PM

Rod, you are right, I tried to get Hartford in Ohio and they do not insure duallys. The excuse I got was they are considered commercial vehicles. Really ??

03-02-2011, 09:39 AM	#1
Mike Fuller Senior Member Join Date: Jun 2007 Posts: 950 Likes: 560 Liked 198 Times in 79 Posts	Dually Pick Up Insurance Last month I ordered a new dually pick up. When my wife started to inquire about insurance rates she was told by my current policy holder that they could not insure this vehicle because of the GVWR. Has anyone else had this experince? How about resolutions to this problem. I know there is a large number of racers that have this type of truck. I found this hard to believe. __________________ Mike Fuller 396 STK 3961 SS Last edited by Mike Fuller; 03-02-2011 at 09:39 AM. Reason: Title

03-02-2011, 09:51 AM	#2
Alan Roehrich Veteran Member Join Date: May 2006 Location: Murfreesboro TN Posts: 5,110 Likes: 1,570 Liked 1,808 Times in 411 Posts	Re: Dually Pick Up Insurance Mike, I think it is fairly common in many states to find that they require either commercial or farm tags to allow you to make use of the GVWR of one of those trucks. Most standard policies do not cover a vehicle with commercial or farm tags. I've always had either farm or commercial tags on my crew cab dooley Chevy trucks, and they did require a policy change. When I got rid of my last truck like that, they changed my policy again. Never had to change companies, or for that matter, underwriters. But I have had to have an entirely new, different, and/or separate policy. __________________ Alan Roehrich 212A G/S

03-02-2011, 12:02 PM	#3
Sean Marconette Senior Member Join Date: Mar 2006 Posts: 977 Likes: 794 Liked 275 Times in 76 Posts	Re: Dually Pick Up Insurance Mike what state do you live in? I tagged my dually for 20,000 lbs and it changed personal property tax but State Farm did not ask any questions, and rates did not change. I am in Kansas. Sean __________________ Sean Marconette 84 Mustang 5060 SS/N

03-02-2011, 12:42 PM	#4
Myron Piatek VIP Member Join Date: Nov 2001 Location: Florida Posts: 1,542 Likes: 34 Liked 138 Times in 51 Posts	Re: Dually Pick Up Insurance I'm in Florida and I seem to recall that Geico wouldn't insure a dually many years ago. But I checked back while shopping around several years ago and they allowed it! Like commercial vehicles, the tag renews in December, not in the month of my birthday even though it's registered as a personal vehicle. .

03-02-2011, 12:52 PM	#5
njk53 Senior Member Join Date: Jul 2007 Location: East China, MI Posts: 504 Likes: 0 Liked 0 Times in 0 Posts	Re: Dually Pick Up Insurance In Michigan, our 1 ton crew cab Chevy dually registered and insured like any other car or truck. No special paperwork was needed. __________________ Nelson Kowal Stock 345

03-02-2011, 12:58 PM	#6
Phillip marvetz Senior Member Join Date: Oct 2008 Location: Lynden ,WA Posts: 820 Likes: 0 Liked 3 Times in 3 Posts	Re: Dually Pick Up Insurance I had trouble with my old 1976 dodge flat bed a few years ago, I was told that if it had a pickup bed it was a personal vehicle, If it was a flat bed it was a commercial vehicle. Big difference in rates. The new (1998) has a bed and isn't a problem. __________________ 2009 V/SA Record Holder

03-02-2011, 01:01 PM	#7
Mike Pearson VIP Member Join Date: Mar 2007 Posts: 2,446 Likes: 614 Liked 1,919 Times in 576 Posts	Re: Dually Pick Up Insurance I have state farm. No issue with my dually insurance. $1200.00/yr. I live in Florida also. __________________ Mike Pearson 2485 SS

03-03-2011, 03:31 PM	#8
Rod Greene Senior Member Join Date: Mar 2002 Location: TN Posts: 530 Likes: 420 Liked 242 Times in 81 Posts	Re: Dually Pick Up Insurance I had the same problem a few years back. The insurance company I had "Hartford " insured my 92 dually but when I went to add on my 97 they said they couldn't insure it. When I asked about why they insured the 92 they said they made a mistake and canceled it on the spot. I changed to Liberty Mutual no problem and last yeatr switched to Allstate and saved a bundle. __________________ Rod Greene Real men shift for them selves. Slowly working on TA Challenger for D,E/S and a 72 Challenger for SS/K, L as if I don't have enough other projects.

03-03-2011, 04:05 PM	#9
GTX JOHN VIP Member Join Date: Jun 2009 Location: Boulder City, Nevada 89005 Posts: 2,733 Likes: 2,799 Liked 2,483 Times in 697 Posts	Re: Dually Pick Up Insurance State Farm insures my 08 Ram 3500 Dual Rear Whl. for about $275 for 6 months.....was right on their computer program . My 08 Kodiak 4500 9' Flat Bed required special Underwriter Approval from Main Office........$560 for six months.

03-03-2011, 04:15 PM	#10
Chuck Beach Senior Member Join Date: Jun 2006 Location: Delaware, Ohio Posts: 664 Likes: 12 Liked 58 Times in 13 Posts	Re: Dually Pick Up Insurance Rod, you are right, I tried to get Hartford in Ohio and they do not insure duallys. The excuse I got was they are considered commercial vehicles. Really ?? __________________ Chuck Beach 3340 STK