Insurance & inspection differences for CC's?

[FATCAT]

For those of you who have a CC (over 10,000GVW) ... what major differences in insurance rates and inspection frequency between the CC and the sub-10,000K trucks?



Is insurance considerably more than non-CC? (double, triple, etc... )



Do you have to have the truck inspected more than once a year?



What about the upcoming 5500? At 19,500GVW are you again in another class above that of the 3500 CC insurance/inspection wise?

 

[jnelson]

If the truck is for private use in a non commercial environment, it should be the same as any other truck. My 3500 is rated at 11,500 and it requires no speacial insurance (other than my commercial for my hot shot business). Even in a commercial setting a yearly insepction is all that is required.



If you are a commercial vehicle and have a valid DOT inspection sticker, and you get a level 1 roadside inspection, you do not have to get another $60 inspection sticker. AS LONG AS you pass the level 1, retain a copy of the level 1, and 1 year has not lapsed since the level 1 inspection.



In other words if you get a level 1 on May 1, it is valid until the following May even if your sticker expires. My inspection stickers expire and the end of September, but I got a level 1 on June 6. So Im vald until June 6 of 2008.



This is probobly to much info... . sorry.

 

[KevinO]

My insurance company which is AAA told me they do not insure dual rear wheel trucks. my 3500 single wheel is the biggest they insure. Not sure why but that may be something to check out first.

 

[jelag]

All my trucks are covered under my commercial package... . 6 trucks and 2 cars... . but my personal insurance had no problem with the dually's, it was Country Companies, but they also insure a lot of farmers... ... .

I agree with jnelson on the license stuff, my only addition is some states treat heavier PU's, both single and dual rear wheel differently than light pickup when used personally... . and when we use them commercially we have to plate them based on how much weight we are going to use them for... . if we scale with them here and the information that comes up from their computer search doesn't match the load then they tag you... . (overloaded based on the plate)

I was surprised the other day... . took a truck we'd just put on pro-rate and as I crossed the state line I got called into the office... . at the scales house... as I walked in the door the guy said you can go... . in the time I'd parked the truck he was able to run my plate and get a return and know that I had that state on our cab card. . and pro rate... . it couldn't have been more than 2 minutes...

The computers are really getting fast..... what he was going to do was look at the cab card for his state if the computer run didn't turn it.....

Again, more info than needed I'm guessing

 

[FATCAT]

Good info folks, thank you.

My insurance company is Liberty Mutual and I may have trouble insuring a dully or anything over 10000 lbs. I believe that LM requires anything over 10000lbs to be under their commercial business.



If and when I get a new dully CC, I would be using it for personal use. I wonder if in most states you need to have "Not For Hire" on the side of your truck if you have a utility/dump/flatbed body on a CC for personal use.



I also hear that in some states (like New Hampshire) anything over 10,000lbs needs to be inspected twice a year, thought i can not find anything online about that.



My concern is that Gov'ts are making it very difficult for people to purchase these trucks if your not a business by having very expensive registration fees, inspection fees, and goading the insurance companies to increase rates for CC way above that of 3/4 trucks.

 

[ccutrell]

My insurance is actually cheaper with the flatbed on my 06 (granted it just a dually minus the bed). I have commercial insurance through state farm and pay 450 every 6 months. And before i get asked my deductables are 50 and 250 and I have 1/2 a million in liability coverage. And I only have to get it inspected every year... This is in Texas...

 

[Tspanos]

I started with a regular policy and did have some trouble finding a carrier for a 3500 C&C. When I started my company and switched to a commercial policy the only question they had for me was if the truck was a dump, which it isn't. My premiums were cut by a third over night going to the commercial policy. As for your other questions regisration is the same in CT you just have to do it every year where the non commercial plated vehicles can get a two year registration. The big thing I don't know about is stepping up to the 5500, I know I'll need a DOT # but am unsure about what else and have no idea how it would apply to you as a private citizen.

 

[jmorse]

My '07 C&C is covered by my garagemans policy because it is registered to my business and we are incorpoated. My'99 C&C was registered in my name and we never had a problem getting insurance. I sold my '99 to a garbage hauler who put a small packer on it and he called me to get my insurance agents name because his company wouldn't write it. Garbage is considered hazardous waste and I'm not sure if he ever got it covered. New York is a tough place to do business anymore. My cost to insure my '07 is just slitely higher than '05 pickup.

Jim

'05 2500 QC SLT 4x4

'07 3500 C&C SLT 4x4