F450 Good, Bad and the Ugly - Page 2 - Diesel Forum - TheDieselStop.com
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post #16 of 25 (permalink) Old 08-10-2018, 03:33 PM
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Hmm yeah I'm not sure how it works. All my policies and ID card say USAA, so is mine direct or do they send it a third party without you knowing? Could be too that I am in Oregon, and here licensing a 450 is no different then a Fiat.

2017 F450 Lariat Ultimate
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post #17 of 25 (permalink) Old 08-12-2018, 03:31 AM
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When we checked with our current insurance company (Hartford) we discovered they only insure up to a F350.

For those of you that have, who do you recommend for insurance?

In 2008 when I purchased a used 2006 F450 Stake bed Crew Cab truck (16,000 GVWr / 8,250 Curb weight) I had to get a commercial insurance policy. My insurance company at the time was Mercury. I purchased a separate commercial policy through Mercury (it was good in Mexico, the US, and Canada). Even though the truck was for personal use, because it wasn't a pickup, I had to carry a log book and stop at weigh stations. When the California Air Resources Board (CARB) sent me a nasty notice saying I had to change the exhaust system to meet 2010 emissions standards before 2012, I took the opportunity to get rid of the truck and got a new 2011 F350 crew cab short bed pickup.



After I retired I needed a dually to haul equipment between two pieces of property I own at least every other week, so in 2015, I traded in the 2011 and purchased a 2016 F350 dually crew cab long bed pickup. Now I don't need commercial insurance, and it has the same GVWR as the same year F450 pickup (both 14,000 GVWr). I don't have the same tight turning radius as the F450, so I might have to back up to complete a turn.

2016 F350 DRW FX4 Lariat King Ranch Crew Cab 6.7 V8
2011 F350 SRW 4X4 Lariat Crew Cab 6.7 V8 (Sold)
2006 F450 DRW 2X4 XLT Stake Bed Crew Cab 6.0 V8 (Sold)
2016 Mustang GT Premium 5.0 V8
2003 Crown Victoria LX 4.6 V8
1967 F100 Pickup 352ci V8, C6 automatic
1972 Pontiac Lemans 400ci V8, Turbo-Hydromatic 400
1964 Pontiac Catalina 389ci V8, Roto-Hydromatic 375 (Slim-Jim)
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post #18 of 25 (permalink) Old 08-29-2018, 02:10 PM
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I know this thread is older but wanted to post a recent insurance experience trying to get an 18 F450 insured. I use USAA and went to their online quote site. Input the VIN and I had no issues getting a quote. As I wanted to finalize the deal I called them. Provided the VIN and as we worked through the process the lady mentioned they dont see many F450s and wanted to know the GVWR. When I told her it was 14000 pounds there was an immediate please hold. When she came back I was told I'd need to talk to progressive. Apparently anything equal to or over 14000 pounds sets off a red flag. I explained it was for personal use only etc but the GVWR is the kicker. Anyway, just thought I'd share a recent experience. I guess I'll be working through progressive. Hopefully the rates are reasonable.
Thank you. I'm currently having the same issue (same car, same bank).
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post #19 of 25 (permalink) Old 08-30-2018, 07:57 AM
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Thank you. I'm currently having the same issue (same car, same bank).
F350 and F450 have the same GVWR.
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post #20 of 25 (permalink) Old 08-31-2018, 01:22 AM
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F350 and F450 have the same GVWR.

My Insurance company wouldn't write a standard auto policy for an F450 because they said the unladen weight was too high. It was for a 2006 F450, crew cab, 2wd, stake bed truck The unladen weight was 8300 lbs. They would only issue me a separate commercial policy. The 2006 model F450 GVWR was 16000 lbs. Just about all insurance companies will write standard auto policies for up to an F350 one ton. Most insurance still look at an f450 as a commercial vehicle, even personal use pickups.

2016 F350 DRW FX4 Lariat King Ranch Crew Cab 6.7 V8
2011 F350 SRW 4X4 Lariat Crew Cab 6.7 V8 (Sold)
2006 F450 DRW 2X4 XLT Stake Bed Crew Cab 6.0 V8 (Sold)
2016 Mustang GT Premium 5.0 V8
2003 Crown Victoria LX 4.6 V8
1967 F100 Pickup 352ci V8, C6 automatic
1972 Pontiac Lemans 400ci V8, Turbo-Hydromatic 400
1964 Pontiac Catalina 389ci V8, Roto-Hydromatic 375 (Slim-Jim)
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post #21 of 25 (permalink) Old 08-31-2018, 09:44 PM
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What a pile of crap this 450 thing is. A vehicle with safer capability to maneuver in bad situations and to stop it if the trailer brakes were to become inoperative, resulting far less exposure to them, should cost more to insure. BULL****
I have a 2006 F450 with hauler bed and it has been desprung (to make it ride WAY better) and I have paid the higher premiums for 10+ years. I did find out that commercial policies cover the collision damage on towed unit where personal policies only cover liabilty of anything a towed unit damages. My extra premiums were more than made up for by the payout on a trailer that went off a big drop off shoulder.

2015 F350 Platinum Max Tow What a beast with the 4.30 gears!
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, 148K.
2006 F350 Lariat CC Dually 4X2, 6.0 auto 4.10 LS, SCT, airbags, 4 in. exh. 154K Rebuilt engine to repair damage from burned piston. One head to fix fuel in oil problem.
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 171K (no engine repairs, gas burners are the new longevity leaders)
2004 Volvo V70R AWD-high miler in fleet, 253K (no engine repairs) Hail totaled it but I kept it. Looks like a golf ball now.
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.
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post #22 of 25 (permalink) Old 10-20-2018, 10:16 PM
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No problem with USAA

I bought my F450 King Ranch 2 months ago. Wife called USAA to insure it with all of the other toys. The guy on the other end did say hold on for a couple minutes, but came back and said no problem. Our card shows USAA. There never was any discussion ref the 14K like others have stated. HappyHappy......
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post #23 of 25 (permalink) Old 11-11-2018, 09:05 AM
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So, I just received my 2019 F450. On a whim, I called USAA to swap the 450 for the 350. Gave the girl the VIN and she read back that it was a 450. She asked if I was using it commercially and if I wanted the exact same coverage and I said yes. The next words from her were "that'll be $28 more every six months, is there anything else you need?"

Evidently, since my experience in 2013, USAA has figured out that this is not the C&C truck. Very happy and with that in mind, there is zero reason not to get the F450. You lose the TPMS, but the turning radius is a game changer. I lived with that for a year with the 350 and hated it every time I needed to maneuver in tight spaces.
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2000 F350 Lariat, Black with Tan Interior
2004 F350 Lariat, White with Gray Interior
2007 F350 Lariat, Red with Black Interior
2014 F450 DRW Lariat, Ruby Red with Black Interior
2017 F350 DRW Lariat, Graphite with Black Interior
2019 F450 DRW Lariat, Graphite with Black Interior
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post #24 of 25 (permalink) Old 11-12-2018, 07:16 AM
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So, I just received my 2019 F450. On a whim, I called USAA to swap the 450 for the 350. Gave the girl the VIN and she read back that it was a 450. She asked if I was using it commercially and if I wanted the exact same coverage and I said yes. The next words from her were "that'll be $28 more every six months, is there anything else you need?"

Evidently, since my experience in 2013, USAA has figured out that this is not the C&C truck. Very happy and with that in mind, there is zero reason not to get the F450. You lose the TPMS, but the turning radius is a game changer. I lived with that for a year with the 350 and hated it every time I needed to maneuver in tight spaces.
There was no difference is quotes from State Farm. Both vehicles are 14,000 pounds.

And, yes, the F450 turning radius and larger brakes are worth getting the F450.
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post #25 of 25 (permalink) Old 01-08-2019, 01:48 PM
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There may be differences they see in pickup bed 450 models now and have taken them to the 350 rate. It is about time.

2015 F350 Platinum Max Tow What a beast with the 4.30 gears!
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, 148K.
2006 F350 Lariat CC Dually 4X2, 6.0 auto 4.10 LS, SCT, airbags, 4 in. exh. 154K Rebuilt engine to repair damage from burned piston. One head to fix fuel in oil problem.
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 171K (no engine repairs, gas burners are the new longevity leaders)
2004 Volvo V70R AWD-high miler in fleet, 253K (no engine repairs) Hail totaled it but I kept it. Looks like a golf ball now.
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.
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