Half-ton pickup redux

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I suppose i didn't think about it that way, just the feb 30, 2018 date
 
Lloyd the redneck said:
Let's be realistic it won't last a week in the house !
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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
 
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.
 
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Seasoned Oak said:
Insurance agent came by to take pictures of my Classic truck today. Not only is the insurnace 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.
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What company?
 
jetsam said:
What company?
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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.
 
saewoody said:
So does all this insurance talk only apply to half-ton pickup trucks? [emoji848][emoji6]


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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.
 
Seasoned Oak said:
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.
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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.


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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.
 
Seasoned Oak said:
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.
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They rejected it because the policy is for collector cars not beater trucks.
 
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bholler said:
No I believe he said it was a beater truck no offence intended at all.
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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! ;)
 
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WoodyIsGoody said:
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! ;)
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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.
 
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! ;)
 
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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.
 
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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.
 
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bholler said:
What about if he hits another car? Did you ever notice that charge on your insurance for uninsured motorists? How much do you think that charge is on our commercial policy with 6 vehicles on it? Our trucks are on back dirt roads many times and could easily be hit by someone there. And if they don't have insurance mine has to cover it.
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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)
 
Seasoned Oak said:
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.
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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.
 
bholler said:
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.
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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.
 
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I'd just like to take a moment to proudly salute my fellow beater owners everywhere.

[Hearth.com] Half-ton pickup redux

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!
 
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