Adrian A
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- Fresno Ca.
I have geico. No sweat.
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Your wrong,
happy reading!
I insured my truck with Progressive. I told them it's not for commercial use, not for hire, doesn't carry people, doesn't have a plow or a dump body and they insured me relatively cheaply. No restrictions. I registered my truck as a code 15 commercial vehicle (commercial vehicle for non-commercial use) here in N.J. Don't even have to go to inspection.there are several companies who will gladly insure it, j.c. taylor is one but with historic tags there are going to be restrictions. if you don't want to go by the rules then get commercial tags and pay the high price of using it for what you want.
......... but how bad is it to drive a truck like this without insurance anyway? Obviously, probably not good if caught or involved in an accident I suppose.
I know there are a million threads out there about this... but many are outdated. I have been working on getting my 71 M35A2 tractor insured for months now. I've spent hours on the phone, filling out online applications, doing searches online and so forth all to no avail. I am getting quite frustrated now. None of the big COs want anything to do with it - Geico, State Farm, Progressive, etc... I got pretty close with Hagerty, but with them I can't do ANYTHING with the truck.
I mean, come on! Let's be serious, I might want to take it through some woods and creeks a few times a year and if I put a bed on it I might use it for a few trips to the dump or whatever. Mostly, I'll just be driving it occasionally here and there for fun, no big deal. Oh an no, I will not be storing it in a garage, at least not any time soon to be honest, but who cares? You can't hurt these trucks, but for some reason Hagerty insists it be stored indoors. Hagerty is clearly not the right CO for deuce insurance unless you're truly driving it for parades and shows ONLY.
I live in MD, I'm 22 and have a clean driving record. Can anyone tell me who can insure this friggin truck please?
Here are a few things I see with your problem .Wow, thanks for all the input everyone! I don't get it... I mention "deuce and a half" or "military truck" or the like and every agent acts like I am speaking a different language. "Oh we don't insure those." "Ohhh no we can't help you. Try this number to a local agency that we last dealt with 6 years ago" (and is no longer there)! All the big guys, Progressive, State Farm, Geico, give me answers like that. Some of you guys say you had no problem, and others express the same frustration I'm having. What's the difference? I guess the area, unlucky to get a lazy/inexperienced/unaware agent, my age... or a combination of many things.
Maybe it has something to do with commercial vs. non, because many of you have mentioned commercial registration and tags. I got Antique VA tags. I don't really understand how I could use commercial. I do not own a business or intend to use the truck for a business... I guess I could change it to commercial but not for commercial use, as was mentioned. Is that what I have to do? I am getting pretty exhausted with this.
Someone said insurance companies will try to get out of providing coverage in the event of a claim. I could definitely see that happening... I do not plan on doing this, certainly not for long, but how bad is it to drive a truck like this without insurance anyway? Obviously, probably not good if caught or involved in an accident I suppose.
There is a company in Bayonet Point Florida "Gulfway Insurers" that insures my Deuce as a collector vehicle. $198 a year. No garaging requirements. They wanted four corner shots of the vehicle, so they knew what they were insuring. It doesn't get any easier/cheaper than that.I have my Deuce insured with GEICO under a commercial policy, even though I don't use it commercially. No CO will insure it like it was a regular civilian vehicle. I think it is rated for commercial insurance because of the axles and the weight. At $670.00 p/year liability, it's the cheapest of my vehicles to insure. Are you asking for a collision policy? This seemed pointless to me, so I just have the FL PIP liability. Call GEICO and ask for the commercial policy division. The first GEICO helper I spoke to didn't know what to do, but the second guy did. Never accept "no" from someone who is not authorized to say "yes".
If I get a few things at Home Depot I take the work truck. If if is a big load I have the lumber yard deliver it.When I called Gulfway, I was told, "You cant drive it to home Depot". I dont haul much, but do go to the Lumber yard alot! Any one else hear this.
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