Truck insurance

So, I retired.  I bought a truck to haul tractors to and from auctions and buy and sell, etc.  All for myself, not for hire.  My insurance, USAA, which I have had for over 35 years, tells me today they do not cover that type of vehicle (by the VIN), that, being a 2000 GMC 3500HD (not the standard 3500) because it was sold as a commercial vehicle.  Or, basically, an incomplete vehicle.  They insure the standard 3500 C/K style, but not the HD.

Edited by OldSchoolRecovery - 29 Apr 2019 at 5:40pm

That was one of my considerations, but not sure how "insurance" would effect, or benefit, that...

My GMC 7000 and my Ford are actually titled to me but with a caveat to TOD in our trust to a nephew through the Farm so license the one Local "F" tag the other still gets a BL tag as the F tag has a 150 mile In State limit from home and only 25 miles across state lines.

In this state, how it is tagged farm or not has virtually no impact on insurance rates, with the exception of how many policies you have through an insurance company.  Meaning, if you have multi -car, multi -policy with a regular automotive company, that may be cheaper overall, or not, with whoever is providing the farm insurance. 

I'm going to my local agent here tomorrow.  I have had USAA though the military for over 35 years like I said, so not sure how the local stuff works these days.

Edited by OldSchoolRecovery - 30 Apr 2019 at 5:35pm

Coke-in-MN wrote: GVW of over 9,000 and if your going to pull a trailer with over 10,000 then your looking at a whole new ball game as you need inspection sticker on truck and trailer .   A 3500 or 1 ton chassis presents DOT regs and the thing of scales annual inspections , and in some cases CDL

The UCR definition of a commercial motor vehicle (as defined under 49 USC Section 31101) means a self-propelled or towed vehicle used on the highways in commerce principally to transport passengers or cargo, if the vehicle: 1. Has a gross vehicle weight rating or gross vehicle weight of at least 10,001 lbs., whichever is greater; 2. Is designed to transport more than 10 passengers including the driver; or 3. Is used to transport material found by the Secretary of Transportation to be hazardous under 49 USC Section 5103 in a quantity requiring placarding under regulations prescribed by the Secretary, also listed under Section 5103.

OldSchoolRecovery wrote: So, I retired.  I bought a truck to haul tractors to and from auctions and buy and sell, etc.  All for myself, not for hire.  My insurance, USAA, which I have had for over 35 years, tells me today they do not cover that type of vehicle (by the VIN), that, being a 2000 GMC 3500HD (not the standard 3500) because it was sold as a commercial vehicle.  Or, basically, an incomplete vehicle.  They insure the standard 3500 C/K style, but not the HD. However, they do go through a third party for you, which in this case, was Progressive.  So, for what I am doing, just liability is $300 a year, but, after running my driving record, it shows I hit 2 deer, one my car, the other, a town vehicle while working.  So, with that new news, it would be $590 a year.  So, basically double for whacking a couple deer. Anyway, I do have a small farm for tax purposes, chicken feed, fencing, etc. and sell eggs and apples, and my equipment, etc., and now that I am retired, I could incorporate my vehicle into the farm and go whole hog... Anyone with experience with hauling vintage tractors, both for hire, and not for hire, regards vehicle insurance, oh, and trailer insurance and who you use would be great. Thanks, Carl And a picture, because we all like pictures..  In your first sentence you stated buy and sell, the DOT doesn't care if you do it for hire or not you're buying and selling thus you would be considered COMMERCIAL.

I have one like that..

 I want to drive close to a small Gleaner somewhere this summer to get a harvest pic..

Everything around here has gone green.

Edited by JoeO(C-MO) - 02 May 2019 at 3:19am

1st auction run was a success..  Plates and insurance, done.  LOL, got the plates on the way and are sitting in the front seat.

Second auction trip a success. 22,380 pounds across the scales in Minnesota, and average 9.86 miles per gallon.  10.22 just pulling the empty equipment trailer, and 8.72 with truck and tractor on the trailer.

Forgot to add, 1,782 miles round trip without a hiccup..