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Thread: F450 Good, Bad and the Ugly Reply to Thread
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  Topic Review (Newest First)
01-08-2019 02:48 PM
jimmy There may be differences they see in pickup bed 450 models now and have taken them to the 350 rate. It is about time.
11-12-2018 08:16 AM
Phillippeterson
Quote:
Originally Posted by MX727 View Post
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.
11-11-2018 10:05 AM
MX727 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.
10-20-2018 11:16 PM
jimfishes
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......
08-31-2018 10:44 PM
jimmy 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.
08-31-2018 02:22 AM
Kraig1957
Quote:
Originally Posted by Phillippeterson View Post
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.
08-30-2018 08:57 AM
Phillippeterson
Quote:
Originally Posted by JPW View Post
Thank you. I'm currently having the same issue (same car, same bank).
F350 and F450 have the same GVWR.
08-29-2018 03:10 PM
JPW
Quote:
Originally Posted by jimbonnet View Post
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).
08-12-2018 04:31 AM
Kraig1957
Quote:
Originally Posted by DKR View Post
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.
08-10-2018 04:33 PM
Sportscraft 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.
08-10-2018 10:48 AM
MX727
Quote:
Originally Posted by Sportscraft View Post
Interesting I was able to insure my F450 through USAA no problem. Geico also did it, where several others wanted to go commercial. Perhaps it also depends on state - here in Oregon licensing a 450 is the same as a compact sedan.
Quote:
Originally Posted by davydee View Post
DKR, Like Sportscraft we insured our 2009 F450 through USAA who sent us to Progressive for insurance. Our 2009 GVWR was 14,500 lbs. As the 2017 (and the 2018?) F450 pickup GVWR is 14,000 lbs, you may not have an issue with insurance. The F450 does have larger brakes from the F350 (which we now have.) We sold our F450 at 158,000 miles and it still had the original brake shoes on it. If you were OK with the ride and handling of the commercial tires during your test drive, I wouldn't let the fact that it has commercial tires stop you from a F450.


Have fun deciding! David

Difference I'm talking about is that USAA doesn't insure it directly. They send you to a third party. Generally, you can find much better rates than what happens when you get handed off like that. So, while you both TALKED to USAA, you aren't insured with USAA. They do the same thing with motorcycles and that is why I won't go that route. Progressive gives you a great first year rate and then starts raising rates, sometimes a lot.
01-29-2018 04:38 AM
wingnut60 After being hassled by TX Farm Bureau, and they would not insure my fiver--too big--I put my truck/MKX and Suites with Good Sam's National General insurance. They accepted all the vehicles without question and the cost was competitive with what I had with separate vehicles and fiver. Had one claim with GS/NG and they settled using pics and estimate of damage on trailer, no questions. Then paid the hidden damage charge also.
Until they raise rates, guess I'll stay with them. Don't qualify for USAA. And now am full-time, a lot of ins cos don't understand the lifestyle---need a formal garage address to function for them.
01-28-2018 09:14 AM
DKR 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?
01-27-2018 05:22 AM
HWarren I recently traded my 2014 f350 and got the 2017 f450. Towing between both wasnít a big difference. But the turning radius is what I wanted. And the first trip out with the new truck and 44ft RV ensured I was glad I got it. Insurance went up by 150.00 for the year. Thru progressive. I did have to inform them that the truck wasnít being used for commercial use. Also my RV is insured thru them also, so it helps


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01-21-2018 12:40 AM
Kraig1957 When I had an f450 what triggered the commercial insurance according to my insurance writer at the time was the unladen weight of over 8000 pounds. My f350 dually has a gvwr of 14000 pounds and less than 7500 pounds of unladen weight, and I don't need commercial insurance anymore.
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