Once the GVWR is over 10,000 lbs on some vehicles and some insurance companies it can get weird. Sometimes I get insurance companies that look at the mfg weight, some look at the plate weight. My current company didn't bat an eye at my new dually, but it's a fight to get my cutaway insured right (they seem to think it's rated for over 26,000 lbs). I truly hate insurance companies.

 

The problem is the heavier the vehicle the more damage it can do in a wreck so more liability if something happens.

Probably going to start seeing similar issue with electric cars at some point because they often incinerate themselves from minor collisions if a battery gets damaged. And because of weight

 

Where did you get this data...that they "often" incinerate themselves?

 

No problems here but my heavys have farm tags so that's likely a different animal. They even insure my Class 8's, no questions asked. But it certainly won't surprise me if the day comes that they stop insuring heavy trucks. It's probably just a matter of time. When the day comes that I have to start insuring all the heavys with the big commercial truck insurance companies, I'll have to thin the herd. Rates at those companies are nothing short of painful.

 

Jason welcome back stranger.....

As we are both in FL, could the issue be that the truck is not tagged properly for the weight to be hauled?

IIRC, you can tag the truck based on anticipated weight. Maybe the tag and the insurance company inquiries aren't matching? Who knows.

The is all assuming commercial application, should not apply for personal use.

Hope this helps.

 

My 2500 is insured with State Farm as a business vehicle. No issues other than the rate going up over 50% is the past two years. Quotes from other companies are even higher …….

 

My 19 3500 is almost $200 more/6 months than our 22 Colorado.

 

My insurance company wants 400 more a month. I just purchased my 2021 gmc 2500 denali with 48k miles and told insurance agent to add it to my policy. It's 400 more a fckn month. They've lost their damn minds. I'm 46 years old with no tickets and no wrecks. My wife got a new car 6 months ago and it went up 200 a month now mine makes it an extra 400 a month. Paying 1k a month for 4 vehicles with no wrecks and only 2 new vehicles. It's absurd.

 

My neighbor just got a 25% increase on his vehicle from State Farm. They told him if he installed a data monitor on his vehicle that the increase would most likely be nil. The rates in Florida are high due to all of the insurance fraud in Miami and Ft Lauderdale area, It seems that our representatives are afraid of the the insurance companies cutting back on campaign contributions.

 

Several years ago Progressive were doing the snapshot plug in. I did it on my LB7 & shortly before I had tuned it with EFI live & it show truck never moved for 6 months. Worked out good that time.