glitchwrks Posted March 28, 2018 Share Posted March 28, 2018 What's everyone doing for insurance on non-CDL trucks, specifically in VA? I had a Geico Commercial (really National Indemnity) policy until we sold off the last of our big trucks, which I kind of hated -- expensive, long hold times on the phone, and they were always screwing up the automatic bill pay resulting in a pink slip in the mail. Looking to find insurance for that MS200P I'll be buying, 25K GVW. Everything hauled will be owned strictly by me, not for hire. Probably won't do even 10K miles a year as most of it will be local, but I do go to upstate NY now and then. Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/ Share on other sites More sharing options...
mowerman Posted March 28, 2018 Share Posted March 28, 2018 If this helps you at all most of us use motorhome insurance on these antiques it’s generally around 150 a year good luckbobSent from my iPhone using Tapatalk Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395367 Share on other sites More sharing options...
glitchwrks Posted March 28, 2018 Author Share Posted March 28, 2018 Good to know, thanks! I contacted a local insurance company in town to see what sort of prices they can get me. $150/year would be awesome -- I was paying more than that per *month* with Geico Commercial on my little Isuzu NPR-HD! Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395368 Share on other sites More sharing options...
Brocky Posted March 28, 2018 Share Posted March 28, 2018 A lot of the guys use use Gulfway out of Hudson Fla if they are pulling a trailer. I have my antique thru State Farm with my other vehicles, but I am not sure how they are on hauling stuff as I do not have anything that big.. With State Farm you have to shop around for an agent who does commercial/antique work.. Most of them think a 3500 dually is a LARGE CAR!! Quote Brocky Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395373 Share on other sites More sharing options...
glitchwrks Posted March 28, 2018 Author Share Posted March 28, 2018 Got a quote from the local agent for $490/year -- apparently in VA they can't write it up as anything other than business if you don't have antique plates on it. It probably actually works out better that way since I can then haul the occasional customer order instead of paying freight if the customer wants me to. The $490/year is for $500K in liability and a typical radius of operation of 200 miles, but the agent says the occasional trip anywhere in the US is covered. Much better than Geico/NICO who was about 4x that amount per year for $150K liability and limited to the specified radius of travel! It looks like we can definitely do a lower rate if we want to put antique plates on a truck at some point. My wife would love to eventually have a B-series Mack fixed up for mostly show purposes so we'll likely encounter the need for antique big truck insurance at some point. Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395375 Share on other sites More sharing options...
mowerman Posted April 1, 2018 Share Posted April 1, 2018 That’s not bad if you can actually use it commercially. When I was a owner op 25 years ago I was paying 8 Gs a years for just one tractor... bobSent from my iPhone using Tapatalk Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395572 Share on other sites More sharing options...
glitchwrks Posted April 1, 2018 Author Share Posted April 1, 2018 The insurance guy says I can do whatever I like with it, with the current insurance. It of course doesn't cover contents of the truck, but they can add that for additional money if I wanted. 1 Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395607 Share on other sites More sharing options...
MHfred Posted April 1, 2018 Share Posted April 1, 2018 On 3/28/2018 at 10:46 AM, glitchwrks said: What's everyone doing for insurance on non-CDL trucks, specifically in VA? I had a Geico Commercial (really National Indemnity) policy until we sold off the last of our big trucks, which I kind of hated -- expensive, long hold times on the phone, and they were always screwing up the automatic bill pay resulting in a pink slip in the mail. Looking to find insurance for that MS200P I'll be buying, 25K GVW. Everything hauled will be owned strictly by me, not for hire. Probably won't do even 10K miles a year as most of it will be local, but I do go to upstate NY now and then. Whether your load is owned by you does not matter. Even if you are not for hire does not matter. If the truck is used to transport for business purposes, it is commercial and insurance is expensive. Also, in VA and probably all states, you cannot haul commercial with antique plates. Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395643 Share on other sites More sharing options...
glitchwrks Posted April 2, 2018 Author Share Posted April 2, 2018 Yeah, I'd been planning on only hauling my own hobby hardware (antique engines, vintage computers -- the big ones!) but since I have to have a full commercial policy anyway in VA I should be good to go if I do decide to use the truck for business work. I'll have to run over to the DMV some time this week and get plates. Planning on asking the DMV counter person about DOT numbers. I'm pretty sure I need them if I'm going to go out of state with the truck. Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395716 Share on other sites More sharing options...
Rob Posted April 2, 2018 Share Posted April 2, 2018 Over 26K licensing you will and a logbook. Under that and you'll probably have no problems. Quote Plodding along with no job nor practical application for my existence, but still trying to fix what's broke. Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395719 Share on other sites More sharing options...
glitchwrks Posted April 2, 2018 Author Share Posted April 2, 2018 My GVWR is 25K, previous owner had it registered at 22.5K -- supposedly VA goes by your registered weight but I know other states go by the GVWR, so I should be good in either case. It's unclear to me from the VA DOT and FMCSA where exactly I fit in on the rules and regulations. Not sure if I'll need to scale, carry a medical card, etc. I figure the DMV should be able to answer questions like that. I always scaled with the NPR-HD I had (14.5K GVWR) but always got green-lighted through bypass. Quote Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395728 Share on other sites More sharing options...
Rob Posted April 2, 2018 Share Posted April 2, 2018 It is usually licensed over 16K you have to scale. Quote Plodding along with no job nor practical application for my existence, but still trying to fix what's broke. Link to comment https://www.bigmacktrucks.com/topic/52949-insurance-in-va-for-private-trucks/#findComment-395729 Share on other sites More sharing options...
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