Join Date: Apr 1999
Location: Justin,Texas, Republic of TEXAS (USA)
Feedback Score: 0 reviews
re: HELP! Insurance on '08 F450!
Somebody please check the insurance comapny's underwriters ears for feces 'cause somebody's head is up their rectum.
Insure a less capable, smaller brakes truck that is FAR more likely to lose control and run over someone but run you off or charge you WAY too much if you opt to do the right thing and go to a slightly larger truck that has the same footprint but better turning radius.
I was able to badger my State farm agent into working a little bit and covering the F450 hauler bed truck for little more than the 2000 dually it replaced. But they had to something funky to cover it. I think my policy is written through State Farm county mutual of Izbhekistan.
I can easily see having a considerable jump for an F650 or for the GM 4500/5500 due to their size and much different configuration.
An F450/550 sits no higher than a F350 dually 4X4.
I know larger load and more risk but who hasn't seen Ford-GM-Dodge 1 ton duallies hauling large backhoes with lots of supplies on dual tandem trailers? I know lots of guys who stay with 1 tons and go WAY over for the insurance rate reasons.
2006 F450 CC Hauler bed 4x2 6.0 L 6.0 auto, Lariat, 4.30 r/a, SCT, 4in exh. 103K New heads to repair diesel in coolant, 136K.
2006 F350 Lariat CC Dually 4X2, 6.0 auto 4.10 LS, SCT, airbags, 4 in. exh. 147K Rebuilt engine to repair damage from burned piston. One head to fix fuel in oil problem.
2002 F350 CC DRW flatbed (originally pickup bedded) rebuilt & upgraded 4R100
36 feet on the floor Elite/Outlaw LQ horse trailer.
35+5 foot double tandem axle flatbed trailer.
36 foot double tandem axle flatbed trailer
36 foot Platinum 6 horse LQ, side load, full width back tack
2003 EB Expedition 164K (no engine repairs, gas burners are the new longevity leaders)
2004 Volvo V70R AWD-high miler in fleet, 241K (no engine repairs)
2007 BMW 550i 6MT 146K, Stuff breaking all the time that would last twice as long on a Kia or Hyundai, sad. Drives great though.
Suzuki Carry KEI truck, 660cc 3 cyl DOHC EFI 4X4 5 speed RHD. Sort of a Smart Car sized pickup. Eats Gators and Mules for lunch.