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06-16-2006, 01:09 PM
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#1
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Member
Join Date: May 2000
Location: Mobile, Ala
Posts: 58
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Help,
Am working toward fulltiming in the next 2/3 months, spoke with Camping World(GMAC)about insurace for a new truck and 5th wheel.
Plan to purchase a Ford F550 as my tow vehicle, trailer will be in the 19K range weight wise. The agent told me that the F550 is considered a Commerical vehile and would not be convered if used for anything other than towing the 5th wheel, no store trips, side trips, etc. I would be reqiured to obtain commerical insurance to cover the truck without the trailer attached as the camping work insurance would be void.
Will call to see what commerical insurance cost.
Any comments or thoughts will be welcome.
Tide Guy
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06-16-2006, 01:09 PM
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#2
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Member
Join Date: May 2000
Location: Mobile, Ala
Posts: 58
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Help,
Am working toward fulltiming in the next 2/3 months, spoke with Camping World(GMAC)about insurace for a new truck and 5th wheel.
Plan to purchase a Ford F550 as my tow vehicle, trailer will be in the 19K range weight wise. The agent told me that the F550 is considered a Commerical vehile and would not be convered if used for anything other than towing the 5th wheel, no store trips, side trips, etc. I would be reqiured to obtain commerical insurance to cover the truck without the trailer attached as the camping work insurance would be void.
Will call to see what commerical insurance cost.
Any comments or thoughts will be welcome.
Tide Guy
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06-16-2006, 06:37 PM
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#3
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Moderator Emeritus
Vintage RV Owners Club Texas Boomers Club Oklahoma Boomers Club Ford Super Duty Owner
Join Date: Aug 2000
Location: Cypress, TX
Posts: 11,204
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Different underwritters come up with some stange ways to treat the larger trucks. Last time I check insurance on my F350 DRW, GMAC was not even close on rates. Makes me think they really don't want the RV business. Try checking with some of you local Independenet agents. He beat out the others and placed the truck, car and RV through Hearford when Heartford would not insure it through AARP. Go figure.
Ken
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Amateur Radio Operator|Practicing for our retirement! 2008 Cameo 35SB3 - 2002 7.3L Crew Cab Dually w/ a SCMT - Max Brake - Travel with one Miniature Schnauzer, one Standard Schnauzer and one small Parrot
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06-16-2006, 07:48 PM
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#4
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Senior Member
Damon Owners Club Freightliner Owners Club
Join Date: Mar 2006
Location: North East Texas
Posts: 2,076
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i have had allstate since 1988
no claims wrecks tickets etc, but did have four hmes and three rvs; and several 250 and up trucks
nobody comes even close to their rates,
which is scary i priced cw gmac and it was 2300 more a year for everything than i am paying now
shp around shop around
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USN Retired, Life time member of the DAV.
driving the short bus 4056 Tuscany
plus one dog, making 2 shovel ready jobs each day
Raising children is like being picked to death by chickens
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06-17-2006, 07:16 AM
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#5
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Moderator Emeritus
Texas Boomers Club
Join Date: Jul 2000
Location: Cypress, Texas USA
Posts: 6,228
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Strange...Good Sam VIP (GMAC) saved us over $400/year on our vehicle/RV insurance over State Farm, whom we had used for 30 years.
Go figger, I guess.... 
Rusty
__________________
2011 Dodge Ram 3500 Laramie Cummins 6.7L/6 speed auto/4.10LS crew cab LB dually
2004 Doubletree Mobile Suites 36RE3 5th wheel
Come join us on a TEXAS BOOMERS rally!
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06-17-2006, 10:56 AM
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#6
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Moderator Emeritus
Vintage RV Owners Club Texas Boomers Club Oklahoma Boomers Club Ford Super Duty Owner
Join Date: Aug 2000
Location: Cypress, TX
Posts: 11,204
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Rusty, I guess that it was your charm or great wit.
Maybe your State Farm agent was getting a nice retirement package from you.
Ken
__________________
Amateur Radio Operator|Practicing for our retirement! 2008 Cameo 35SB3 - 2002 7.3L Crew Cab Dually w/ a SCMT - Max Brake - Travel with one Miniature Schnauzer, one Standard Schnauzer and one small Parrot
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09-07-2006, 11:29 AM
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#7
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Junior Member
Join Date: Jul 2005
Posts: 11
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Good Sam trailer insurance lets you reduce your payment if the trailer is parked at home by arround 60%. You call them to increase to the normal rate when you plan to go on vacation then reduce it again when it is parked at home where your homeowner insurance covers it. You have to increase it for at least 30 days.
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