Half-ton pickup redux

begreen Posted By begreen, Jul 16, 2017 at 12:57 PM

  1. saewoody

    saewoody
    Member 2.
    NULL
    

    Feb 15, 2017
    166
    52
    Loc:
    CT
    So does all this insurance talk only apply to half-ton pickup trucks?


    Sent from my iPhone using Tapatalk
     
    Lloyd the redneck likes this.
  2. jetsam

    jetsam
    Minister of Fire 2.
    NULL
    

    Dec 12, 2015
    1,885
    1,176
    Loc:
    Long Island, NY
    All The Best Stuff Happens After The Derailment.™
     
    bholler likes this.
  3. jetsam

    jetsam
    Minister of Fire 2.
    NULL
    

    Dec 12, 2015
    1,885
    1,176
    Loc:
    Long Island, NY
    No, check the ingredients.

    That's not from an alternate universe; the expiration date really IS 3018.
     
  4. Dobish

    Dobish
    Minister of Fire 2.
    NULL
    

    Oct 26, 2015
    1,049
    499
    Loc:
    Golden CO
    I suppose i didn't think about it that way, just the feb 30, 2018 date
     
  5. Lloyd the redneck

    Lloyd the redneck
    Member 2.
    NULL
    

    Dec 6, 2016
    240
    88
    Loc:
    Western mn
    Let's be realistic it won't last a week in the house !
     
  6. WoodyIsGoody

    WoodyIsGoody
    Minister of Fire 2.
    NULL
    

    Jan 16, 2017
    1,329
    531
    Loc:
    Pacific NW Washington
    In my house it would last until I had a guest that didn't like my fresh lime margaritas.

    Which hasn't happened in over 30 years. ;lol
     
  7. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    Insurance agent came by to take pictures of my Classic truck today. Not only is the insurance half price but it includes Comprehensive and Collision in addition to Liability. I asked about denial of claims due to violating the registrations rules and he said the only thing they care about is their own(insurance Co) rules. Said they have a list of guidelines , nothing whatsoever about "cargo" but they have an annual mileage guideline of roughly 2500 miles Yr and its flexible. This is good news cuz i dont even put that many miles on my daily driver. He did say every Ins company has different rules.
     
  8. jetsam

    jetsam
    Minister of Fire 2.
    NULL
    

    Dec 12, 2015
    1,885
    1,176
    Loc:
    Long Island, NY

    What company?
     
  9. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    Dont know yet. I didnt get the paperwork yet. My agent works with multiple companies to get the best price. Funny though i do know its not the same company i have my other 2 vehicles insured with. Another odd thing about car insurance is other companies give better prices to new customers than long time customers. My son changes insurance often ,mostly because competitors are offering lower prices to new customers. i may try this myself cuz my car insurance has been going up every year and im accident free.
     
  10. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    Not sure about that but some companies charge more for 4X4 .I guess they figure you wont be out joy riding in the snow if you have a 2x4.
     
  11. saewoody

    saewoody
    Member 2.
    NULL
    

    Feb 15, 2017
    166
    52
    Loc:
    CT
    That comment was actually tounge-in-cheek, because the topic had gone a ways off course.

    But you are right about charging more for 4x4. Its all about statistics; and 4x4 claims must be must be overall more costly to the insurance companies.


    Sent from my iPhone using Tapatalk
     
  12. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    Insurance Company rejected the truck because paint job is not in mint condition. Not sure why since the insurance company is not paying for paint job upkeep but thats the rub. I may have to get regular Liability same as my other vehicles. Still working on it. Trying to find a better deal on my current rides since Penn National has been raising rates every year. Went from $225YR to $300 per vehicle in just 2 to 3 yrs,no accidents.
     
  13. bholler

    bholler
    Minister of Fire 2.
    NULL
    

    Jan 14, 2014
    10,331
    1,920
    Loc:
    central pa
    They rejected it because the policy is for collector cars not beater trucks.
     
  14. WoodyIsGoody

    WoodyIsGoody
    Minister of Fire 2.
    NULL
    

    Jan 16, 2017
    1,329
    531
    Loc:
    Pacific NW Washington
    Them are fighting words!
     
  15. bholler

    bholler
    Minister of Fire 2.
    NULL
    

    Jan 14, 2014
    10,331
    1,920
    Loc:
    central pa
    No I believe he said it was a beater truck no offence intended at all. Mine is a beater and I love it.
     
  16. Lloyd the redneck

    Lloyd the redneck
    Member 2.
    NULL
    

    Dec 6, 2016
    240
    88
    Loc:
    Western mn
    Just send them a photo shopped picture. With good paint!
     
  17. WoodyIsGoody

    WoodyIsGoody
    Minister of Fire 2.
    NULL
    

    Jan 16, 2017
    1,329
    531
    Loc:
    Pacific NW Washington
    Just because it's a little beat up doesn't mean it's not collectable! Some people ONLY collect beat up trucks.

    It's pretty hard to fake a good patina! ;)
     
    Seasoned Oak and bholler like this.
  18. bholler

    bholler
    Minister of Fire 2.
    NULL
    

    Jan 14, 2014
    10,331
    1,920
    Loc:
    central pa
    Yes but I have had quite a few vehicles with collector car insurance and have 2 now. The companies offer reduced rates because collector cars are typically babied and not driven much so the risk is low for them. When they see a beat up old truck or car for that matter they know it is much more likely to get beaten on. Because of that their risk is much higher.
     
  19. jetsam

    jetsam
    Minister of Fire 2.
    NULL
    

    Dec 12, 2015
    1,885
    1,176
    Loc:
    Long Island, NY
    I pulled the steering wheel today and got the blinker switch out. It checked out okay, so I'm back to being stumped about the blinker problem. I am now thinking that since Dodge is so fond of ground-interrupt schemes, this problem was introduced when they put the Chevy bed on it. I am going to disconnect the whole back half of the truck's wiring and see if thr blinkers work then- I bet they do.

    Installed a choke cable and figured out how to set minimum plow height with the chain after that. Who puts in a carb with a manual choke and then doesn't hook it up to anything?

    Today I also hit the milestone of having messed with the carb without pouring half of the oil out of the air cleaner. Go me! ;)
     
    Lloyd the redneck likes this.
  20. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    Actually the truck is in excellent shape, it was just dirty from sitting under a tree ,i had no idea the ins agent was going to show up with a camera. I wouldnt call it a beater truck ,i take very good care of all my vehicles ,dont beat any of em. Good news i got it covered. Wound up Getting it covered with my regular company who after requoting my whole policy im actually paying $489 yr for 3 vehicles. I was paying $596 up to this point. So less than free for the 3rd Truck. Also no restrictions of any kind. Couldnt have worked out better. Ill post a picture when i get it cleaned up.
     
    festerw likes this.
  21. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    One other thing ,i never get the minimum coverages. They are ridiculous, something like 1000/5000 in PA. I have the 100000/300000 first number is property damage ,second is bodily injury.
     
    Ashful likes this.
  22. NateB

    NateB
    Burning Hunk 2.
    NULL
    

    Mar 5, 2013
    212
    64
    Loc:
    South Central Pennsylvania
    Here is what happened to me. I had a guy run a stop sign right in front of me, and I hit him in the side. He had no insurance, and I did not have uninsured motorist coverage, and guess what. I did not get a penny. The best thing was he had a fake address on his license, and when I went to file a civil suit the lady at the desk said don't bother. The guy has 31 warrants and they can't find him, so save your hundred bucks. I fixed the 3300 in damages myself for 300, and kept on truckin.(the car cost me 750)
     
  23. bholler

    bholler
    Minister of Fire 2.
    NULL
    

    Jan 14, 2014
    10,331
    1,920
    Loc:
    central pa
    Ok then I am sorry I thought you had said that I was mistaken. Again no offence intended at all by the term beater truck.
     
  24. Seasoned Oak

    Seasoned Oak
    Minister of Fire 2.
    NULL
    

    Oct 17, 2008
    4,861
    887
    Loc:
    Eastern Central PA
    None taken. But you are partially right ,it may have a classic tag , and be 24 yrs old and in very good shape but i doubt if i could get even 1K for it if i tried to sell it. So not a classic price. Not exactly a collectors item.
     
    bholler likes this.
  25. jetsam

    jetsam
    Minister of Fire 2.
    NULL
    

    Dec 12, 2015
    1,885
    1,176
    Loc:
    Long Island, NY
    I'd just like to take a moment to proudly salute my fellow beater owners everywhere.

    Image2070683201.jpg

    When I was in the military, I had a new motorcycle, but my cars worked on The $500 Rule. I never paid more than $500 for a car. If repairs cost over $500, I got a new car. Scoff if you want to, but 1) It kept me rolling when money was tight, and 2) It gave me a lifelong ability to fix cars!
     

Share This Page