I just bought a 2012 XLT and I don’t plan to use it daily, so I thought I’d try Hagerty for a lower-cost insurance option. But when I tried to sign up, the F250 wasn’t listed in their dropdown—though the F350 and F450 were. I called them, and they said they don’t insure that model.
I also tried Policy Genius, but got nothing there either. I have USAA for my other cars and home, but I don’t want to pay $200/month for a truck I’ll only use about once a month. Is there something about the F250 that makes it a problem for insurance companies?
I’ve owned several F250s and have never heard of this issue. Hagerty is usually for classic cars, though, so I’d try Progressive, The General, or Elephant Auto. I got full coverage on my 03 dually for $82 a month through Progressive.
I was able to insure it, but I was surprised that Hagerty excluded the F250 while still covering the F350 and F450, and Policy Genius came back with nothing.
I’ve got two vehicles insured with Hagerty, a 1935 model and a 90s motorcycle. According to their site, for pickup trucks, they need to be 1998 or older unless it’s considered collectible. Your 2012 isn’t collectible yet. Your coworker might be lucky, but if he uses it to haul stuff or gets into an accident, Hagerty could drop him or refuse the claim because it wasn’t used as a collector vehicle.
Eventually, maybe. I got denied with my 04 Lariat 6.0 diesel because I said I used it for hauling sometimes. I don’t have that truck anymore. Now I just use recreational insurance for vehicles I barely drive, and it’s way cheaper. I have one car that only sees about 2500 miles a year.
Hagerty does insure newer vehicles under ‘modern classics’ with some requirements, like having a primary vehicle and limiting mileage. My cousin works there, so I’ll ask her about the F250.