Who Will Insure a HDT RV with Commercial Plates
Who Will Insure a HDT RV with Commercial Plates |
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| JIM & MARTHA 28 September 2009 04:30 PM |
Have a 770 Volvo that has been converted to a mother home. But Arizona made me register it with commercial plates. Where can I find a insurance co that will insure it? Jim |
| Ray H 28 September 2009 05:01 PM |
Jim I'm in Goodyear, AZ and in the same situation. I had no trouble insuring both the Volvo and Trailer, but on two different policies with the same company. I'm actually with RV America Insurance but come under the Progressive Casualty Insurance Co. umbrella. They do require both the trailer and truck. The trailer is new with a premium cost of $607. per year and the truck is about $550. per year for full coverage. Due to some other E-mails floating around concerning Progressive a few months ago, I confirmed with them a couple of times that the truck was covered when bobtailing. I think in that case it was more the agency involved over-stating things than Progressive. Anyway, over the last couple of years, I've been happy. Ray |
| JIM & MARTHA 28 September 2009 05:44 PM |
Hi Ray I guess it depends who we talk to, I have had insurance with Progressive for the last two years. But as a motor home. Get this I called Progressive and they said they did not insure Motor homes. Do you have commercial plates? Would you please send the phone number of the person you talked to. Yes I read all the stuff floating around about Progressive to. I just wounded if I have been legal for the last two years. Thank You for the reply Jim |
| 1merv 29 September 2009 11:53 AM |
I have mine insured through National Interstate. one thing I did find is that if I had full coverage on the 5th wheel I had to carry full coverage on the tow vehicle. Merv |
| Ray H 29 September 2009 02:09 PM |
Jim Just sent you an E-mail. Yup, commercial plates just like you and just like my 1 ton D/A dually. I'm weight laden at 23,000 for AZ MVD purposes. Weight laden for MVD is what the tractor actually weights when you're loaded with fuel, passengers, trailer pin weight, etc., not your actual GVWR. If under 26,001 pounds, you can even get custom vanity plates which I did. Just another item to inform the DOT Boys that I'm really not commercial even when bobtailing which I do quite a bit of. Just went through Kingman twice last week going back and forth to Las Vegas. Usually take a break at Loves just east of town. Make that trip with the truck and 5th about every six weeks. If I can be of any additional help, give me a shout at 623-975-6135. Do you hold a Class A CDL? Required in Arizona for vehicles over 26,001 pounds GVWR and trailer over 10,000 lbs. GVWR. Class B CDL to just bobtail tractor or with trailer under 10K GVWR. |
| Motor31 30 September 2009 09:31 PM |
Jim, AZ considers anything 1 ton and above to be commercial. They do not recognize a motorhome conversion so you don't have an RV, you have a registered commercial vehicle. That might be a sticking point for insurance coverage. I'd check with Farm and City Insurance company 800-331-1520 and see what they can come up with they are brokers and handle multiple insurance agencies. I use them and have been very happy with the results. If you are going to remain an AZ resident the only way you can get an RV registration for the vehicle would be to go the LLC route. That will work if you are a full-timer and do not stay in AZ for more than 180 days a year. |
| LindaH 01 October 2009 12:25 PM |
Motor31, on Sep 30 2009, 06:31 PM, said: Is this something new? When we lived in Arizona prior to going fulltime, we had a 1-ton pickup that was registered as any other pickup would be, not as a commercial vehicle. |
| Motor31 01 October 2009 09:12 PM |
Nope not new. Our F350 (97) that we owned in 02 to 04 had a registration that stated commercial on it. They did not charge the weight fees but the plate number pattern and the registration indicated commercial. If we did plan to use it for business purposes we would have been charged the additional fees. |
| LindaH 02 October 2009 10:01 AM |
We had our 1-ton truck registered in Arizona from 1996 through 1998, so this must be a change in the law since that point in time. I don't remember the details...we may have had special "truck" license plates, but they definitely were not commercial plates. |
| 10-9jc 02 October 2009 10:58 AM |
$$ Source of revenue! $$ And, easy for LEO's - - no problem to "sort out" if it's being used commercially or not. AZ's neighbor - CA - has required commercial plates on anything with a usable bed since (sometime) before my first "truck" - a '65 ElCamino. (that includes the "tiny bed" SUV's like a Chevy Avalanche). No difference between "real" commercial - or - "commercial" for private use. |
| GeoLogger 02 October 2009 11:15 AM |
Jim, I'm in Chandler and went through all this the end of last year. "Once a tractor, always a tractor" is the story from MVD. You can declare your GVW which affects the price of your registration. You will need a CDL. I took the 'refresher course' at Southwest Truck Driver Training in Phoenix to get the required paperwork. Kind of a hassle, but if you're retired it wouldn't be too bad. I had to try to get it all done after hours and on weekends. I am insured through Farm & City. No problems at all. Send me a PM if you want more info. I also have all the CDL study manuals that I can make you a deal on! |
| petercat_409 03 October 2009 03:56 PM |
I think an even bigger problem than having insurance is the consequences of having to have commercial plates. Commercial plates means you must have CDL (somebody mentioned this); and, you must have DOT #, and you must have IFTA # and pay those taxes, and you must stop at scales, and you must keep a log book. I talked to AZ DOT several months ago about this issue of commercial registration and that is what they told me. They said if it looks like a duck, makes sounds like a duck, it IS a duck. I also talked to Californian DOT and they told me the same thing. It sounds like some states are after $$ from every source. |
| Ray H 03 October 2009 10:58 PM |
Petercat 409 In Arizona, every heavy 3/4 ton p/u along with my 07 Chevy Dually has commercial plates. Arizona MVD had one question... are you going to use it commercially. NO! End of story and issued me custom vanity plates. In AZ, a Class A CDL is required to drive any tractor over 26,001# GVWR if towing a trailer with a GVWR over 10,000#. That is because Arizona does not have a Non-Commercial Class A available. If not used commercially, we do not have to pay all those taxes, stop at scales, have a DOT# or keep a log book. If that were the case, with all the dually pickups registered in Arizona, all carrying commercial plates, it might just get to be a bit too much. I've been stopped by Arizona DOT Officers for inspection. They just checked my papers, shook their heads and bid me a good day. Took all of 15 minutes. While we are a rarity, there is no law against a private citizen owning and using an HDT as a daily driver. As long as we meet the licensing, insurance, etc. of the state our HDT is registered in, we are allowed to be different. Works for me! Ray |
| WirthlinD 07 October 2009 01:36 PM |
I bought a 96 Volvo WIA a few months ago and went through the same issues. I ended up going through the same insurance company that the previous owner had, AZ also. I am in Iraq and can not remember the name of the company. However, I went on line and found an agent for that company at Beaudry RV in Tucson. I got full coverage for the truck, including towing and glass, for under 600 a year with none of the restrictions from Progressive or the other insurance companies. Hope this helps. Don |
| JIM & MARTHA 08 October 2009 11:18 AM |
How long of would it take to go to the school full time and the cost? Tell me all about it. Thanks Jim |
| GeoLogger 08 October 2009 04:43 PM |
Jim If you're referring to the truck driving school, I don't remember the details. I think that the full class was 2 or 3 weeks. They go over everything - paperwork, log books, etc. that really don't pertain to us. Plus it was WAY more expensive. The refresher was the 'down and dirty' version that covered the things you need for the exam. I was in and out, including the instruction, pre-trip, yard work and road test in about 4 hours. I would call them for more details - 602-352-0704. |