1 ton dump truck

[LBrown59]

Yeah, a 1 ton dump would sure be fun to own.

1*I mentioned it to my insurance agent and anything 1 ton or more with dual rear wheels (dump, flatbed, etc.) needs to be on a commercial auto policy.
2**Another option is a 1 ton single rear wheel with a pickup box and dump insert.
3***I would think they would be very limited in capacity though.

1*Any thing not used for buisness should never have to go on a comerical policy.
This is nothing more than an insurance company rip off.
2**This is a route I'm giving some thought to.
3**You ought to be able to haul 3000 or 4000 pounds on one and another 3 or 4 thousand on a tilt bed trailer .
Combined this is about as much as you can haul on a 1 ton dump truck.
What I like about this arrangement is you don't have to dig out and hook up the trailer just to go pick up a ton or so of something.

 

[Builder]

Commercial insurance can get quite expensive. Farm insurance if you have it can be very reasonable. In PA, I used Farm Family. My dually was around 300 a year with everything on it. I also had my trailers as well as all of my farm equipment on the policy. It was Farm Family's policy that if you had any equipment of the property at all even an off road dump, it had to be listed but the costs were never prohibitive. I had a one million dollar umbrella policy too.

I now have my dually as well as my trailers on with Farm Bureau now. A bit more than Farm Family but still not bad.

From what I know, most automotive policies cover trailers for liability but not theft, etc. That is light duty trailers not something heavy duty. Don't think that you can play dumb with your agent about that ~12k trailer.

My insurance carrier is State Farm. I have commercial insurance. Commercial insurance is not very expensive. That's an urban myth that for some reason has been perpetuated by the uninformed. My trailers cost basically nothing to insure. They only require a small fee to be "registered" with my insurer. My insurer says the vehicle towing the trailer actually insures the trailer if it's in an accident.

My biggest truck is about $900/yr to insure and I live in a "expensive" area. (Note to Drago: Sorry for bragging I know it bothers you, but I thought it would be helpful to illustrate costs in this discussion).

Anyway, it's no big deal if you need commercial insurance. If you really need a dumptruck, then you really need one and the insurance costs will be justified by the income that a dumptruck can make for you.
Otherwise, if you're a weekend warrior just get a dump trailer and enjoy the extra money in your pocket. .

 

[QRTRHRS]

My insurance carrier is State Farm. I have commercial insurance. Commercial insurance is not very expensive. That's an urban myth that for some reason has been perpetuated by the uninformed. My trailers cost basically nothing to insure. They only require a small fee to be "registered" with my insurer. My insurer says the vehicle towing the trailer actually insures the trailer if it's in an accident.

My biggest truck is about $900/yr to insure and I live in a "expensive" area. (Note to Drago: Sorry for bragging I know it bothers you, but I thought it would be helpful to illustrate costs in this discussion).

Anyway, it's no big deal if you need commercial insurance. If you really need a dumptruck, then you really need one and the insurance costs will be justified by the income that a dumptruck can make for you.
Otherwise, if you're a weekend warrior just get a dump trailer and enjoy the extra money in your pocket. .

I stand corrected, I thought it was alot more.

 

[Builder]

I stand corrected, I thought it was alot more.

Nah, I bet it's about the same to insure a 1-ton truck "commercially" as it is "privately".

 

[BarryinMN]

My 1 ton dump costs $275/yr to insure same as a 1/2 ton and same as a sedan. "Big city rates" Mpls/Stp.

 

[jdmar]

I used to own a Ford one tone dump. Great little truck....untill I blew the engine. I only cost about $190 a year to insure if I remember correctly. But it was not for hire and was licsensed as farm vehicle. It was fine for driving on the road though. I now own a 6x10 7000GVW sump trailer and love it. No engine to maintain. cheap to keep. Much more uses..including hauling in the filed with a tractor---places I could not go with the dump truck. I can only haul about 4000 pounds to be legal but that is fine. For large gravel loads I still hire a truck (actually had 19 tons delivered and spread today). I pull it with a 150 size but am pushing the limit since its hauling limit is 7700 pounds. BUt I don't haul a lot or long distances with that.

Overall I am happy with the utility and affordability of the dump trailer. I got mine on ebay for about $2500 and it was in great shape.

Peter

 

[Builder]

I used to own a Ford one tone dump. Great little truck....untill I blew the engine. I only cost about $190 a year to insure if I remember correctly. But it was not for hire and was licsensed as farm vehicle. It was fine for driving on the road though. I now own a 6x10 7000GVW sump trailer and love it. No engine to maintain. cheap to keep. Much more uses..including hauling in the filed with a tractor---places I could not go with the dump truck. I can only haul about 4000 pounds to be legal but that is fine. For large gravel loads I still hire a truck (actually had 19 tons delivered and spread today). I pull it with a 150 size but am pushing the limit since its hauling limit is 7700 pounds. BUt I don't haul a lot or long distances with that.

Overall I am happy with the utility and affordability of the dump trailer. I got mine on ebay for about $2500 and it was in great shape.

Peter

Smart man you are.

I can't get by with only a dump trailer to replace my dump truck, but eventually, I'm going to buy one to haul my smaller TLB and material of course.

 

[LBrown59]

I used to own a Ford one tone dump. Great little truck....untill I blew the engine. I only cost about $190 a year to insure if I remember correctly. But it was not for hire and was licsensed as farm vehicle. It was fine for driving on the road though.
1*I now own a 6x10 7000GVW dump trailer and love it. 2*No engine to maintain. cheap to keep. Much more uses..including hauling in the filed with a tractor---places I could not go with the dump truck.
3*I can only haul about 4000 pounds to be legal but that is fine.
Overall I am happy with the utility and affordability of the dump trailer. I got mine on ebay for about $2500 and it was in great shape.
Peter

1*I don't own a trailer and even if i did I don't have anything to pull it with.
2*If you have a trailler you have to tow it with something so yes you certainly do have an engine to maintain.
3*A 1 ton pick up with a dump bed should haul that much .
If I have to buy a truck to pull a trailer with i might as well get one that i don't have to use a shovel to un load.

 

[Builder]

I think what's getting lost in this comparison/discussion is that a 1-ton dumptruck cannot do what a pickup can do in terms of everyday life and versatility. You can't take the wife & kids out in one day after day, drive it to work as a commuter vehicle and they're more difficult to garage

For 95% of the TBN members, a dumptrailer and a pickup is much more practical, cheaper & efficient to own than both a pickup and a 1-ton dumptruck, or even just a 1-ton dumptruck alone.

 

[LBrown59]

1*I think what's getting lost in this comparison/discussion is that a 1-ton dumptruck cannot do what a pickup can do in terms of everyday life and versatility.
2*You can't take the wife & kids out in one day after day, drive it to work as a commuter vehicle and they're more difficult to garage
3*For 95% of the TBN members, a dumptrailer and a pickup is much more practical, cheaper & efficient to own than both a pickup and a 1-ton dumptruck, or even just a 1-ton dumptruck alone.

1*Sure it can if it's a pick up that dumps.
2*You can if it's a pick up that dumps and it's just as easy to garage as a pick up that don't dump.
3*With a pick up that dumps you don't need 2 trucks or a dump trailer .
Just the dump pick up and a 16' tilt bed trailer would be ideal for me.

 

[QRTRHRS]

I think what's getting lost in this comparison/discussion is that a 1-ton dumptruck cannot do what a pickup can do in terms of everyday life and versatility. You can't take the wife & kids out in one day after day, drive it to work as a commuter vehicle and they're more difficult to garage

For 95% of the TBN members, a dumptrailer and a pickup is much more practical, cheaper & efficient to own than both a pickup and a 1-ton dumptruck, or even just a 1-ton dumptruck alone.

If the one ton was the only family vehicle, I agree. My dually with a flat bed has been my main means of getting around since I purchased it. Of course we use my wife's vehicle, now a car but for many years an SUV for more "family" oriented affairs.

Sure, it has been a pain to find parking at times, etc. and when I used to get 17+ mpg it was better than the 15 average that I see at 218k. As an all purpose vehicle, I would say that the biggest expense is keeping tires on.

 

[Builder]

If the one ton was the only family vehicle, I agree. My dually with a flat bed has been my main means of getting around since I purchased it. Of course we use my wife's vehicle, now a car but for many years an SUV for more "family" oriented affairs.

Sure, it has been a pain to find parking at times, etc. and when I used to get 17+ mpg it was better than the 15 average that I see at 218k. As an all purpose vehicle, I would say that the biggest expense is keeping tires on.

You oughta see how expensive it is to put tires on this puppy. :

 

[Builder]

1*Sure it can if it's a pick up that dumps.
2*You can if it's a pick up that dumps and it's just as easy to garage as a pick up that don't dump.
3*With a pick up that dumps you don't need 2 trucks or a dump trailer .
Just the dump pick up and a 16' tilt bed trailer would be ideal for me.

Love your numerical numbering and asterisk system. Mind if I copy it?

1* I guess in your world a rickshaw that dumps might be comparable to a one ton truck pulling a dumptrailer, too , but I'd bet for 95% of TBN members, a pickup and a dump trailer is the most practical solution. That way they can have a practical & attractive means of transportation for them or their family & friends with comfortable ammneities and get their weekend/ranch chores done, too.

2*Pickups with a converted dump box cannot be used for heavy dumping. The steel in a pickup bed cannot tolerate having rocks or firewood dumped in it without extreme damage to the bed and the wheel wells. Also, the tailgate will not withstand dumptruck type work. That's why a real dumptruck bed is built of thicker steel than a sheetmetal pickup bed and has a heavy double acting tailgate. A pickup that dumps is probably at best a very light duty compromise which might be Ok for mulch, leaves or hand stacked firewood.

3* A dumping pickuptruck can't carry as much weight as a bigger dumptrailer, either. You can put a 14-16K dump trailers behind a 1-ton dually pickup and haul 4-5+ tons legally. 1-ton pickup dumps have a typical legal payload of at the most 2-2.5 tons.

3*A tilt bed trailer is not as versatile as a dump trailer. A dump trailer can carry a TLB just like a tilt trailer, but a tilt trailer cannot dump at as steep of an angle or handle as much material as a dump trailer.

 

[QRTRHRS]

"You oughta see how expensive it is to put tires on this puppy. : "

Hmm, I would say about double or so the 1200 bucks it cost me the last time I bought a set which are due for a replacement. What size are you running on the front?

 

[Diamondpilot]

They are not cheap on my F-350 SRW 4x4 pickup. 4 tires, mount, balance, valve stems, alignment, tax, and disposal runs about $1600. Remember, that is only 4 tires. All I can find is 3 manufactures for the tires in the proper size last time I looked. They were Continental, Toyo, and Big O's house brand which looked identical to the Toyo.

Chris

 

[Builder]

"You oughta see how expensive it is to put tires on this puppy. : "

Hmm, I would say about double or so the 1200 bucks it cost me the last time I bought a set which are due for a replacement. What size are you running on the front?

Fronts are Goodyear 385/65R-22.5 They're about $1,400 per pair mounted.
Rears are Goodyear 12R-22.5 They're about $425 each.

It would cost about $3,500 to replace all 6 tires.

 

[Diamondpilot]

I am glad you are buying the tires for that dump truck and not me Builder.

Chris

 

[sandman2234]

Yes of course, since the thread is named "1 ton dump truck". I thought it would be obvious what I meant.

And yes, the insurance agent will very likely ask you what is on the back. Because, your not going to lie and say you have a 1 ton pick up you want to insure. (that would be a really bad idea). So, when you say I have a truck, or a one ton truck, I want to insure, and they will ask what kind of truck? (The computer is going to have a list of choices they need to mark off), Answering "Chevy" is not going to satisfy the question.

Since this happened to me. I thought I would pass it on. Now I'm sorry I tried to be helpful.

If you hadn't brought it up, I might have... so thanks for taking the heat on the insurance end of it, lol.
I have a one (yeah, a one ton truck) out back that I have to pull a business policy with, even though I own no business, and mainly only used the truck for hurricane runs, where I would go to where ever the hurricane hit and help whomever needed it. Sure wish I had the time off to still be doing it, as I used to enjoy that. I kept that one (again the one ton truck) insured for a few years after my last hurricane run, hauling scrap metal, but gave that up when I went back to driving a truck (not a one ton)
David from jax

 

[AlanB]

My insurance carrier is State Farm. I have commercial insurance. Commercial insurance is not very expensive. That's an urban myth that for some reason has been perpetuated by the uninformed. My trailers cost basically nothing to insure. They only require a small fee to be "registered" with my insurer. My insurer says the vehicle towing the trailer actually insures the trailer if it's in an accident.

My biggest truck is about $900/yr to insure and I live in a "expensive" area. (Note to Drago: Sorry for bragging I know it bothers you, but I thought it would be helpful to illustrate costs in this discussion).

Anyway, it's no big deal if you need commercial insurance. If you really need a dumptruck, then you really need one and the insurance costs will be justified by the income that a dumptruck can make for you.
Otherwise, if you're a weekend warrior just get a dump trailer and enjoy the extra money in your pocket. .

Well, I am one of the pepetuators of that myth I guess, but looking at my insurance bills I just don't see it as a myth.

In the FWIW I too had State Farm insurance, both commercial vehicles and my private vehicles, and I can emphaticly tell you that your trailer will not be covered when being towed by a State Farm Commerically insured Truck on a TN policy. I can say that with surety as for 4 or 5 years I thought that was the case (as that was what I had been told) untill I added a new truck and learned that I had never been insured for trailer towing.

I no longer have State Farm on my commerical vehicles.

My current commercial policies have 4 trailers listed (each Vin'd and seperate) for behind either of the commercial trucks and each trailer is about $60 a year.

Before you buy a truck trailer whatever, speak with YOUR insurance agent, in YOUR state and verify what it will cost you.

I tried to slide a dump truck in under a farm tag and insurance (I have a registered Farm as well) and it was a No-go because of the licensed landscaping business.

Now, if you are willing to Lie, skirt the truth, have some ommisions in what you tell them etc. you can do anything you want, that said, just remember they will be doing the same.

 

[Builder]

Well, I am one of the pepetuators of that myth I guess, but looking at my insurance bills I just don't see it as a myth.

In the FWIW I too had State Farm insurance, both commercial vehicles and my private vehicles, and I can emphaticly tell you that your trailer will not be covered when being towed by a State Farm Commerically insured Truck on a TN policy. I can say that with surety as for 4 or 5 years I thought that was the case (as that was what I had been told) untill I added a new truck and learned that I had never been insured for trailer towing.

I no longer have State Farm on my commerical vehicles.

My current commercial policies have 4 trailers listed (each Vin'd and seperate) for behind either of the commercial trucks and each trailer is about $60 a year.

Before you buy a truck trailer whatever, speak with YOUR insurance agent, in YOUR state and verify what it will cost you.

I tried to slide a dump truck in under a farm tag and insurance (I have a registered Farm as well) and it was a No-go because of the licensed landscaping business.

Now, if you are willing to Lie, skirt the truth, have some ommisions in what you tell them etc. you can do anything you want, that said, just remember they will be doing the same.

You're correct. You do need a commercial policy for the trailer, but the cost was so miniscule (when your business grosses millions/yr $49 seems miniscule) that I thought it wasn't worth mentioning. As I stated here:

My trailers cost basically nothing to insure. They only require a small fee to be "registered" with my insurer.


However, since you peaked my curiosity, I called my agent today and she emphatically told me that the $49 covers my trailer for "certain types" of loss and the insurance policy of the towing vehicle covers the trailer on "other types" of loss. My biggest trailer, a 12 ton tag, is $49/yr "full coverage"

She assure me I'm covered with nothing to worry about.

Clear as mud?