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Started By
Message
F-450 owners....
Posted on 10/24/13 at 12:56 pm
Posted on 10/24/13 at 12:56 pm
Do you have to have commercial insurance on them? Sealed a deal on a 09 king ranch and Aaa insurance states that I have to have commercial insurance on the damn thing. Checking now to see how bad Allstate and State Farm will screw me...
4
Posted on 10/24/13 at 12:58 pm to Thatguy...
I have two but I'm self insured.
Posted on 10/24/13 at 12:58 pm to Thatguy...
No. Over a certain weight you may need a cdl.
They just want more money from you.
They just want more money from you.
Posted on 10/24/13 at 1:00 pm to Nodust
I think over 1 ton you need a cdl. Not completely sure though. We have a f450 as a company rig so we obviously have commercial insurance. So I'm not much help here.
Our 450 is a complete turd though.
Our 450 is a complete turd though.
Posted on 10/24/13 at 1:09 pm to Nodust
quote:.
No. Over a certain weight you may need a cdl.
I think it goes by the GCVW of the vehicle. I was told that to buy a F-350 you need a class A drivers license since you can exceed 26k lbs with the right trailer combination. Stay under that weight an you don't need it. So say someone like the OP purchases a F-450 and has a gooseneck cattle trailer and loads it up he would need a Class A CDL
Posted on 10/24/13 at 1:14 pm to bayoudude
Only if over the weight. And for personal farm use like hauling cows to market. I don't think he would need a cdl.
Posted on 10/24/13 at 1:16 pm to Nodust
I may be way wrong. But until the vehicle actually exceeds the 28k or whatever your good.
Posted on 10/24/13 at 1:20 pm to bayoudude
Of course going on the dmv website and getting any answers would be a joke most likely.
Posted on 10/24/13 at 1:32 pm to Thatguy...
Yes, insurance is more. When I was looking at trucks, a F350 was more than a F250 insurance-wise. Can't remember how much, but GEICO assumed that it would be used to pull heavy trailers and for work
Posted on 10/24/13 at 1:34 pm to Hammertime
People really use geico?
Posted on 10/24/13 at 2:02 pm to Nodust
No on the cdl to drive the truck, its no where near the limit by itself. Should not need commercial insurance if its being used for private use. Call safeco. Hard to beat their rates if you have decent record.
Posted on 10/24/13 at 2:09 pm to Nodust
Only people that will insure me and not completely rape me on the price. Half of the companies won't insure me at all
Posted on 10/24/13 at 2:18 pm to Hammertime
Rough on vehicles eh?
Posted on 10/24/13 at 2:33 pm to Nodust
Police are rough on me
Posted on 10/24/13 at 2:58 pm to Nodust
Don't need a cdl for a 450, we run 550's and my guys don't have cdl's
Posted on 10/24/13 at 3:04 pm to Thatguy...
Please tell me you need this for work, hotshot driver?
Posted on 10/25/13 at 11:46 pm to bayoudude
quote:I can promise that's bullshite. I have an F-350.
I was told that to buy a F-350 you need a class A drivers license
Posted on 10/26/13 at 8:40 am to Langston
quote:
No on the cdl to drive the truck, its no where near the limit by itself. Should not need commercial insurance if its being used for private use. Call safeco. Hard to beat their rates if you have decent record.
Every bit of this post is accurate. I just changed to Safeco, too.
Posted on 11/12/13 at 11:04 pm to VetteGuy
Ended up with 450. It is a beast to say the least but has a remarkable turning radius. Allstate was the cheapest insurance which was surprising 
Posted on 11/13/13 at 12:06 am to Thatguy...
Would love to help you out, I am an insurance agent in Louisiana and we represent 7 different auto carriers. DM me and I can get you a some really good rates. Not all companies list it as a commercial vechicle.
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