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Old 07-03-2022, 06:34 PM   #1
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F550 vs F350 - five times as expensive to insure?

Looking to move from our F350 to an F550 to be safer.

Perfect driving record, five insured vehicles, never a claim, yada yada...

Our current insurance company says that it'll require a separate commercial policy due to the extra GVWR and came back with a quote over 5X the cost.

Is there anyone out there that recognizes RV usage and will write it under a personal policy?

In Colorado.

Thanks in advance. Cheers!
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Old 07-04-2022, 03:46 AM   #2
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Time to call a broker. When I sold my F150 and bought an F350 DRW my F150 insurer wouldn't insure a "commercial" truck, so my broker that I used for a classic vehicle found a place that would insure the 350, for the same price as the 6 year old 150. I moved everything to the new company.
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Old 07-04-2022, 04:00 AM   #3
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Have you tried Geigo? They seem to know Trucks and RV's. I used them when I had a 2012 F-450 and the cost seemed reasonable. I even was insured incase someone got hurt on my camp site. My company I had prior did not understand RV's and trucks and trailers so I switched to Geigo.
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Old 07-04-2022, 11:27 AM   #4
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Have you tried Geigo? They seem to know Trucks and RV's. I used them when I had a 2012 F-450 and the cost seemed reasonable. I even was insured incase someone got hurt on my camp site. My company I had prior did not understand RV's and trucks and trailers so I switched to Geigo.
I have 6 vehicles insured with Geico right now.
For my F350 I pay $74/mo.
For an F550 they want $4200 per year!

perfect driving record, in my 50s, never a claim, long time customer, home owner, etc etc.

They do get campers (I have two campers with them at a great rate with the coverages you've mentioned)... but it appears they don't want me to buy a safer truck.
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Old 07-04-2022, 12:11 PM   #5
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Quote:
Originally Posted by sleepwalker View Post
I have 6 vehicles insured with Geico right now.
For my F350 I pay $74/mo.
For an F550 they want $4200 per year!

perfect driving record, in my 50s, never a claim, long time customer, home owner, etc etc.

They do get campers (I have two campers with them at a great rate with the coverages you've mentioned)... but it appears they don't want me to buy a safer truck.
It is a class 5 truck and don't know if there is a line drawn somewhere in the insurance industry.

I can tell you, as a 25 year Geico customer, I have had the same 400% premium raise on a new 2020 Wrangler than the traded in 2018 Grand Cherokee. Called back and ended up with 3 people on the phone and the final premium was $16 per year less. Try again and keep asking why.
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Old 07-04-2022, 01:21 PM   #6
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Shop around. I was with State Farm for 40 years. After raising my rates due to a “claim” ( I used the roadside assistance product). I contacted an insurance broker. Long story short, on 7 vehicles including the MH, three drivers (one is a 20 year old male) my cost for the exact same coverage dropped from $5,800 to $3,200 per year. State Farm was given the chance to match Erie, they refused.
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Old 07-04-2022, 01:48 PM   #7
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The problem you are running into is the F550 is rated as a comercial truck in many juristictions, regardless of use.

Only way I've seen one reclassifed to an "RV" is if the F550 itself is turned into a camper/motor home.... but then again I've run across a few MDTs that have been reclassified as an RV, so there must be some place you can do it.

FYI, in many confgurations, the F550's max trailer weight rating is only marginally better than an F350, you have to get the 4.30 or 4.88 rear end with the diesel to get a significant jump in trailer weight rating.

I remeber watching a video where they talked to a Ford Fleet Truck rep who said the F550 is designed to carry more payload directly on it vs towing, while F350's concentrates more on towing than payload... not sure how that works.

https://www.fleet.ford.com/content/d...t_r7_May17.pdf
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Old 07-04-2022, 02:14 PM   #8
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As others have stated shop around and ask lots of questions.

Explain fully what you are doing. Many places will do non-commercial polices, but they are done though their commercial division once you get into Medium Duty Trucks (MDT).

A lot of us use Heavy Duty Trucks (HDT) Class 7 or 8 trucks to pull with. My Class 8 HDT is register as a motorhome (meets the legal description in my state) so I pay less for it than I do my 3500 dually.
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Old 07-04-2022, 03:19 PM   #9
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Shop around. Our insurance co wanted a 40% increase. We shopped around, saved 40% over what we used to pay. There is no rhyme nor reason with insurance co’s sometimes, just greed
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Old 07-08-2022, 09:18 PM   #10
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How much more would it be to insure a F-450. Split the difference between the F-350 and F-550. You can buy a F-450 with a pick-up bed as that might make a difference in insurance rates.

The F-450 comes with 4:30 gears and not 4.88 gears. You get the 19.5" tires just like the F-550 and you get the wide track front end giving you the sharper turning. That F-350 dually has to be a pain to try to park. My F-450 was easier to park then my little F-250.
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Old 07-09-2022, 09:39 AM   #11
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Quote:
Originally Posted by sleepwalker View Post
Looking to move from our F350 to an F550 to be safer.

Perfect driving record, five insured vehicles, never a claim, yada yada...

Our current insurance company says that it'll require a separate commercial policy due to the extra GVWR and came back with a quote over 5X the cost.

Is there anyone out there that recognizes RV usage and will write it under a personal policy?

In Colorado.

Thanks in advance. Cheers!
Just out of curiosity, what RV are you towing that needs a truck that size? A 350 Ford diesel with 4:10's and DRW has a payload of 7,200 and a 5th wheel towing rate of 35,000. I don't know of any RV that would remotely be a challenge for the 350. In fact, the 550 with 4:10's has a lower 5th wheel tow rating (32,500) than the 350 but more payload.
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Old 07-09-2022, 11:41 AM   #12
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I knew a guy that towed his Newmar 5th wheel, the one with the dually axles so 4 tires per axle on the 5th wheel for a total of 8 tires on the 5th wheel using a F-550. I think the 5th wheel had a GVWR of 26,000lbs. He would tow it back and forth between Michigan and Florida. He liked the idea of having the only F-550 in the RV Park. Yes, the truck was painter to match the 5th wheel. Oh, the 5th wheel had full body paint before full body paint was a thing on 5th wheels.
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Old 07-09-2022, 02:16 PM   #13
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How much more would it be to insure a F-450. Split the difference between the F-350 and F-550. You can buy a F-450 with a pick-up bed as that might make a difference in insurance rates.

The F-450 comes with 4:30 gears and not 4.88 gears. You get the 19.5" tires just like the F-550 and you get the wide track front end giving you the sharper turning. That F-350 dually has to be a pain to try to park. My F-450 was easier to park then my little F-250.
There are "two classes" of F450, the pickup (class 3 truck), and the comercial chassis cab (class 4 truck). I believe only Ford does this.

The F450 pickup version (with the bed) is in the same truck class (Class 3) as the F350, this is why despite being an obviously beefier truck than the F350, it has a smaller rated payload than a comparibly equipped F350. The F450 Pickup is legally limited to the same max gvwr (14,000 lbs) as the F350 since they are the same "truck class" and has a higher curb weight, thus leaving less available payload.

The F450 Chassis Cab is a Class 4 truck. Class 4 trucks have a max possible gvwr of 16,000 lbs. The diesel in it is also "de-rated" to a slightly lower HP than in the pickup version. The reasoning is dependability and longevity are more important to comercial/fleet operators than max HP. You will generally find lower rear differential gear ratios in this truck vs the "pickup's version. It also has a staright/flat frame behind the cab, while the pickup version is not.

Both have the awesome "wide track" front axle allowing them to turn surprisingly sharp.
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Old 07-09-2022, 02:39 PM   #14
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I agree the F-450 pickup is slightly less capable than the Cab Chassis version. Also agree that 14,000lb GVWR of the F-450 pickup (Same as the F-350) is a limiting factor.

Is the only difference between the F-450 Cab Chassis and the F-550 is the gearing - 488 vs 430?
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