Capt Skup wrote: If you are eligible to join, I have had great success with USAA(found out how GEICO can afford all those silly commercials), now have everything insured by USAA, including the 450. Policy was only $50 more for the 450 over the cost of the F-250 I had.
IF, that's the key word! You have to be in the military or a child of a person in the military. Not 100% sure but I think parents of children in the military aren't allowed in. They have a lot of restrictions for who can be policy holders. For home owners policy's they have a 1% deductible which is very high for Minnesota standards.
It's good insurance for the most part but they force contractors on the policy holders. Most insurance companies either have in house adjusters access loss's or hire independant adjusting firms. What they do is have contractors in there preferred network act as adjuster. In the past 3 years have missed out on over $75K of insurance restoration work because of this. It hurts because all my leads are word of mouth. The ones I have been able to secure paid great. They are of course way better than say Allstate who has a reputation for being the lowest paying insurance company on both home and auto claims in the nation. If they offered free insurance I would pass!!! No longer even look at loss's with Allstate. Go on any construction forum and see what contractors are saying about Allstate.
A friend of mine owns an insurance agency and one of his clients tried to insure an F550 and he couldn't insure it. Luckily his neice owns an insurance agency with another carrier and she was able to insure it.
All my insurance is through Am Fam who I really like working claims with. Most of the people I know who work hand and hand with insurance companies on a daily basis are insured with Am Fam. That says something!
O/P,
You should call around various insurance agents and ask about insuring your pick up. You could also contact indepenant agents as they will have a lot of insurance carriers they work with and they might know right away which one will insure your pick up. Of course once you switch auto insurance they will be sending you letters and calling you trying to swith your home insurance over.
I gave up on the direct major companies and went to an independent agent. They can shop and find yo the best carrier and deal. Best he could do was Lloyds and weight was not a problem.
ken
KE5DFR
Vintage 1979 Silver Streak Supreme Rocket toted by a 2002 F350, crewcab dually, 7.3L,4.10 axle,SCMT. Travel with two miniature Schnauzers and one African Gray parrot. Practicing for retirement!
We use Farm and City Insurance Services, writing for Progressive, for truck and trailer. Our truck weighs 14,000lb full of fuel w/o trailer and is rated 23,000lb GVW. Had no problem insuring it as a "private use only" RV toter. Think most agents are just not well versed in this area of coverage.
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