[ilovehotshot]

I am working on my 2016 build. I want to finalize it this week however I cannot find any company that will insure the Ford Transit Wagon as a personal vehicle. I spent about 2 hours on hold today getting transferred from department to department with many companies. I am a school teacher and do not have a LLC. It will be my everyday drive vehicle. Has anyone insured their wagon in Texas as a personal vehicle. Thanks in advance.

 

[hawkeng]

We ran into the same problems with insurance and financing. People still think it is strictly a Commercial vehicle. In the end my insurance company USAA did insure it. But USAA is limited to Active/Former Military and their Family.

 

[CrewVanMan]

Ilovehotshots

You will need to tell the insurance company that this is a passenger van and not a cargo van. In most cases, when you call for a quote, you already have a vehicle that is built and they use the VIN to confirm the vehicle. You may need to see if there is a similar 2015 Transit Wagon and give them that as a VIN for a quote. I have insurance with USAA and they already know about the Ford Transit.

I know in Florida and some other states that the cargo van is considered a commercial vehicle. That is why 2 of my friends in FL ordered the Wagon with the Builder Prep package (which deletes the seats but still have the windows) so they do not have to go through the problems with having a company venue and having it listed as a commercial vehicle.

 

[morey]

Anyone in California having issues getting insurance for a cargo being used as a personal vehicle?

 

[EddieZ]

Anyone in California having issues getting insurance for a cargo being used as a personal vehicle?

I don't know about Texas -- sounds strange. I lived in California, until 10 years ago. Every pickup, there, is considered a commercial vehicle, and, I never had any trouble getting insurance on mine, with 4 or more companies I had used over the years. I guess it's possible the rates were higher than I would have paid for non-commercial... I don't know.

 

[V37]

We ran into the same problems with insurance and financing. People still think it is strictly a Commercial vehicle. In the end my insurance company USAA did insure it. But USAA is limited to Active/Former Military and their Family.

I insured mine with USAA,...no problem. Although they'd like if it had running lights and a security system, which would have lowered my rate a few dollars per month.

 

[Damaskinos_of_Athens]

.
I got a very reasonable quote from GEICO just by going to their web site, going to the quote page and selecting a Ford Transit. You can enter a vin if you have one.

It might actually be easier to avoid humans and ask the computer for the quote.
.

 

[alarmist]

When my kids started driving I mortgaged my soul to the insurance industry. Seriously though, I have the opposite problem. My carrier has the Transit down as a personal vehicle and I need them to list it for business use. This in CA.

 

[Epps]

I tried to compare cost between carriers, I called COSTCO and they would not even give me a price for a Transit. NO problem with State Farm.


Epps

 

[Ron Springer]

We were also shocked when we went to pick up the T-150 Wagon from the dealer and were told we could not take if off the lot because the dealer called our current company, 21st Century, and they refused to insure the van...even with the vin showing it is a passenger wagon.


We ended up getting coverage through Progressive, but the cost was tw3ice what I was paying on a 2013 GMC Crew Cab valued at 47K when new! Then when we received the declaration of coverage pages it was listed as a Transit Connect although they had the correct vin. After our nice independent agent contacted Progressive we now have the proper listing on the dec pages along with the correct vin and a bill that is almost exactly twice of what we were paying.


Wish I would have known ahead of time, but the dealer, no fault of theirs had only sold cargo vans. We are going to ask for quotes from every company we can find to see what we can do.

 

[Budsky]

The Transit seems to be a mysterious vehicle- I had no trouble adding it to my insurance but when I went to register it the DOT asked me what model Ford it was- when I said Transit they said NO it is a AXG4 or some such gibberish....OK said I.
And now that is what it says on my registration card, hope no cop ever questions why he can't find that on the vehicle!

 

[greg-92083]

I called my Farmer's insurance agent before I bought my T150 cargo. He told me no problem with personal use T150 cargo, but 250 or 350 we'd have to talk. When I went to purchase I took along California DMV online printouts describing the various classes of vehicles. Vans can be registered as an automobile or a commercial vehicle the former costs $80 a year less.

When I told the dealer salesman I wanted to register it as an automobile he told me I could not. I handed him the two printouts and he took off to see his boss. When he came back he said 'We all learned something new today, thanks. All vans we have sold up to now were registered commercial.'

Greg Hayden
Vista, CA

 

[Ron Springer]

Perhaps someone at FORD would be smart enough to contact insurance companies, state insurance commissioners, and I guess DMVs to inform them that this is just a new version of the Ford E-150 Econoline that no one ever had a problem with? I find it hard to believe that a company as big as Ford wouldn't be able to inform folks.

 

[Chance]

It's not just the E-150, my 15-passenger E-350 Wagon is insured for personal use in Texas. Don't see why a Transit Wagon would be handled any differently, unless one considers that people today follow whatever a computer tells them whether it makes sense or not.

 

[JP4]

No problem with USAA on my T250. $392.06 per year.

 

[Zyzzyx]

A doubly different situation, but we had no problems in WA state insuring our PM 3500 with Allstate.

 

[V37]

No problem with USAA on my T250. $392.06 per year.

How did that happen? No comprehensive? I have USAA and am paying twice that (no tickets, no accidents, etc)

Let me know,...I might have some negotiating to do

 

[JP4]

How did that happen? No comprehensive? I have USAA and am paying twice that (no tickets, no accidents, etc)

Let me know,...I might have some negotiating to do

I have 4 cars, an umbrella policy, homeowners, and life insurance with them. There probably giving me a volume discount.

 

[Tourneo]

Thanks for the heads up! Had never thought about any insurance problems. Will have to run the VIN from a close match through The Hartford/AARP insurance company super computer.

Reminded me of my 1st Econoline in NY back in the 70's. You had a choice to register as commercial or private passenger. Small difference in registration fee, don't recall insurance premium being an issue, but commercial plates allowed you to get a generous discount on bridge tolls I had to pay daily.

 

[jethaden]

How did that happen? No comprehensive? I have USAA and am paying twice that (no tickets, no accidents, etc)

Let me know,...I might have some negotiating to do

Mine is about that number per 6 months with USAA (same as you). I think time period is merely misstated. But I could be wrong. I have 3 cars with them and have been a member for over 30 years.