Insurance on the 2500 vs 3500
10-04-2003, 07:33 AM
#1
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Insurance on the 2500 vs 3500
Anyone know if there is much difference in insurance cost on a 2500 vs 3500? Right now I pay $930 a year on my 02 F250 PSD.
Thanks
Thanks
10-04-2003, 07:44 AM
#2
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Re:Insurance on the 2500 vs 3500
That would depend on too many factors.
Insurance Company policy, location, age, your driving record, etc.
It's best to just call your insurance agent and ask.
Ed
Insurance Company policy, location, age, your driving record, etc.
It's best to just call your insurance agent and ask.
Ed
10-04-2003, 07:58 AM
#3
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Re:Insurance on the 2500 vs 3500
Check with Progressive.com. When I bought my 2500 it went up 25% compared to my Chevy 1500 with my old insurance company. I checked with Progressive online and now my insurance is less than I was paying for my Chevy!! ;D
MikeyB
MikeyB
10-04-2003, 08:32 AM
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Re:Insurance on the 2500 vs 3500
I need the towing and payload capacity, but was shocked to find out that insurance for my 03 3500 was gonna cost $2600. In NY they consider all 3500 trucks to be used for commercial purposes, while a 2500 can be classified as recreational
I love Insurance
I love Insurance
10-04-2003, 09:44 AM
#5
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Re:Insurance on the 2500 vs 3500
Something else to keep in mind is your local vehicle tax laws.
Here in Northern VA, there is a 70% rebate on personal property taxes on privately owned vehicles.
My dually doesn't qualify as there is a provision exempting any vehicle over 7501 GVW. >
Here in Northern VA, there is a 70% rebate on personal property taxes on privately owned vehicles.
My dually doesn't qualify as there is a provision exempting any vehicle over 7501 GVW. >
10-04-2003, 10:54 AM
#6
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Re:Insurance on the 2500 vs 3500
[quote author=dockbuilder link=board=17;threadid=20526;start=0#msg192694 date=1065274322]
I need the towing and payload capacity, but was shocked to find out that insurance for my 03 3500 was gonna cost $2600. In NY they consider all 3500 trucks to be used for commercial purposes, while a 2500 can be classified as recreational
I love Insurance
[/quote]
Over the years things have changed. When I was young a station wagon with windows painted was commercial as well as a compact pickup. The cheapest insurance was commercial. All of the "yuth" drove on commercial. Got regular tickets on the parkways. Had a Volkswagen van for the sand running, put a pair of windows in the sides, got a ticket for improper tags, improper insurance. I was 20... :'(
I need the towing and payload capacity, but was shocked to find out that insurance for my 03 3500 was gonna cost $2600. In NY they consider all 3500 trucks to be used for commercial purposes, while a 2500 can be classified as recreational
I love Insurance
[/quote]
Over the years things have changed. When I was young a station wagon with windows painted was commercial as well as a compact pickup. The cheapest insurance was commercial. All of the "yuth" drove on commercial. Got regular tickets on the parkways. Had a Volkswagen van for the sand running, put a pair of windows in the sides, got a ticket for improper tags, improper insurance. I was 20... :'(
10-06-2003, 02:32 PM
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Re:Insurance on the 2500 vs 3500
In NC, you have very good rates compared to MS. I expect you would have a higher rate on the dually compared to the SRW pickup.
In MS, I pay nearly $1700 for fairly high coverage, about $500 more that a SRW diesel 2500. Also, I have State Farm and a non-cancelable policy.
Generally, insurance rates in NC are about half those of MS.
I ain't had a ticket (paid) since 1978. Never had a wreck. :
But, I also am an old geezer and eventho I still do 120k a year pulling doubles, the thieves offer me a discount if I'll just take an "old folks" driving course.
At least in NC, the State enforces the insurance requirement so that they have about a 99.9% compliance. In MS, although you must have insurance, you can get a tag without proving you have it. So, about 30% or more here ain't got it. :P
In MS, I pay nearly $1700 for fairly high coverage, about $500 more that a SRW diesel 2500. Also, I have State Farm and a non-cancelable policy.
Generally, insurance rates in NC are about half those of MS.
I ain't had a ticket (paid) since 1978. Never had a wreck. :
But, I also am an old geezer and eventho I still do 120k a year pulling doubles, the thieves offer me a discount if I'll just take an "old folks" driving course.At least in NC, the State enforces the insurance requirement so that they have about a 99.9% compliance. In MS, although you must have insurance, you can get a tag without proving you have it. So, about 30% or more here ain't got it. :P
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10-06-2003, 03:01 PM
#8
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Re:Insurance on the 2500 vs 3500
[quote author=Groucho link=board=17;threadid=20526;start=0#msg193529 date=1065468737]
In NC, you have very good rates compared to MS. I expect you would have a higher rate on the dually compared to the SRW pickup.
In MS, I pay nearly $1700 for fairly high coverage, about $500 more that a SRW diesel 2500. Also, I have State Farm and a non-cancelable policy.
Generally, insurance rates in NC are about half those of MS.
I ain't had a ticket (paid) since 1978. Never had a wreck. : But, I also am an old geezer and eventho I still do 120k a year pulling doubles, the thieves offer me a discount if I'll just take an "old folks" driving course.
At least in NC, the State enforces the insurance requirement so that they have about a 99.9% compliance. In MS, although you must have insurance, you can get a tag without proving you have it. So, about 30% or more here ain't got it. :P
[/quote]
Alabama insurance went up over 30% when they made insurance mandatory.
In NC, you have very good rates compared to MS. I expect you would have a higher rate on the dually compared to the SRW pickup.
In MS, I pay nearly $1700 for fairly high coverage, about $500 more that a SRW diesel 2500. Also, I have State Farm and a non-cancelable policy.
Generally, insurance rates in NC are about half those of MS.
I ain't had a ticket (paid) since 1978. Never had a wreck. :
But, I also am an old geezer and eventho I still do 120k a year pulling doubles, the thieves offer me a discount if I'll just take an "old folks" driving course.At least in NC, the State enforces the insurance requirement so that they have about a 99.9% compliance. In MS, although you must have insurance, you can get a tag without proving you have it. So, about 30% or more here ain't got it. :P
[/quote]
Alabama insurance went up over 30% when they made insurance mandatory.
10-06-2003, 04:55 PM
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Re:Insurance on the 2500 vs 3500
My '03 runs $1760/year through Progressive. Maryland has pretty high rates. I also like to keep higher liability and lower deductibles. I have 100/300K liability and $500 collision and $50 comprehensive deductibles.
10-06-2003, 09:44 PM
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Re:Insurance on the 2500 vs 3500
[quote author=Doug link=board=17;threadid=20526;start=0#msg193665 date=1065483305]
you can always switch to geico, save your 15%, and then realize that they won't pay for OEM parts...
[/quote]
Yeah I had GEICO for a while. Then I realized how much more expensive they were compared to others. The 15% is a big crock.
you can always switch to geico, save your 15%, and then realize that they won't pay for OEM parts...
[/quote]
Yeah I had GEICO for a while. Then I realized how much more expensive they were compared to others. The 15% is a big crock.
10-06-2003, 09:48 PM
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Re:Insurance on the 2500 vs 3500
[quote author=Doug link=board=17;threadid=20526;start=0#msg193665 date=1065483305]
you can always switch to geico, save your 15%, and then realize that they won't pay for OEM parts...
[/quote]
Right on the Geico. Over the years, they have been a top supplier of free radar and timing equipment to cops. More tickets, higher rates. They are also right on top for cancelations after claims.
you can always switch to geico, save your 15%, and then realize that they won't pay for OEM parts...
[/quote]
Right on the Geico. Over the years, they have been a top supplier of free radar and timing equipment to cops. More tickets, higher rates. They are also right on top for cancelations after claims.
10-07-2003, 03:37 PM
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Re:Insurance on the 2500 vs 3500
10-08-2003, 10:04 AM
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Re:Insurance on the 2500 vs 3500
If any of you are military or former military, USAA is where it's at. Never had any problems what so ever with them.
$1300 a year
$1300 a year