Trucks
 

My mechanic kid was just by, yakking at me about work.
He does truck suspensions, lots of them.
F-150's to FD ladder trucks.
Heres what he says about the little ones, F-150's and GM 1500's.
The F-150's shorter than the 8' bed now have struts instead of coils.
All the 1500's have struts now. Very light duty tie rods.
Some disappointed guys thought they could put a plow on these trucks,
but they aren't suitable for plowing.
He's a GM guy himself, but if he gets a truck it will be a Ford.
He barely mentioned Chryco, and my brain basically shuts down then
anyhow, but I can ask if anybody cares.
So if you're shopping for a truck, know what you're getting.
I didn't get all the details, but that's the gist of it.
What surprised me is all the lame trucks he sees with 2 seats
and 4' bed.
I say lame because to me a PU without an 8' bed is lame,
but that's just me. I want to be able to throw sheetrock and plywood
in there.

--Vic

Trucks
 

On Wed, 16 Apr 2008 18:50:37 -0500, Vic Smith
wrote:

I say lame because to me a PU without an 8' bed is lame,
but that's just me. I want to be able to throw sheetrock and plywood
in there.

My Tundra has a 6 ft bed and handles 4 x 8 sheets easily with the tail
gate down.

Trucks
 

Wayne.B wrote:
On Wed, 16 Apr 2008 18:50:37 -0500, Vic Smith
wrote:

I say lame because to me a PU without an 8' bed is lame,
but that's just me. I want to be able to throw sheetrock and plywood
in there.

My Tundra has a 6 ft bed and handles 4 x 8 sheets easily with the tail
gate down.



How very wonderful for you.

Trucks
 

1/2 ton P/u's have always been pussy trucks. Basically car components
in a truck body. Nothing new here.
Buy Ford.
F250.
My .02
JR

On Wed, 16 Apr 2008 18:50:37 -0500, Vic Smith
wrote:

My mechanic kid was just by, yakking at me about work.
He does truck suspensions, lots of them.
F-150's to FD ladder trucks.
Heres what he says about the little ones, F-150's and GM 1500's.
The F-150's shorter than the 8' bed now have struts instead of coils.
All the 1500's have struts now. Very light duty tie rods.
Some disappointed guys thought they could put a plow on these trucks,
but they aren't suitable for plowing.
He's a GM guy himself, but if he gets a truck it will be a Ford.
He barely mentioned Chryco, and my brain basically shuts down then
anyhow, but I can ask if anybody cares.
So if you're shopping for a truck, know what you're getting.
I didn't get all the details, but that's the gist of it.
What surprised me is all the lame trucks he sees with 2 seats
and 4' bed.
I say lame because to me a PU without an 8' bed is lame,
but that's just me. I want to be able to throw sheetrock and plywood
in there.

--Vic
HOME PAGE:
http://www.seanet.com/~jasonrnorth
--------------------------------------------------

Trucks
 

"Gene Kearns" wrote in message
. com...
On Wed, 16 Apr 2008 20:13:05 -0400, Wayne.B penned the following well
considered thoughts to the readers of rec.boats:

|On Wed, 16 Apr 2008 18:50:37 -0500, Vic Smith
wrote:
|
|I say lame because to me a PU without an 8' bed is lame,
|but that's just me. I want to be able to throw sheetrock and plywood
|in there.
|
|My Tundra has a 6 ft bed and handles 4 x 8 sheets easily with the tail
|gate down.

Sheetrock. 4' X 12'



4' x 12' sheets are reserved for the 'pros'.

Trucks
 

"Vic Smith" wrote in message
...
My mechanic kid was just by, yakking at me about work.
He does truck suspensions, lots of them.
F-150's to FD ladder trucks.
Heres what he says about the little ones, F-150's and GM 1500's.
The F-150's shorter than the 8' bed now have struts instead of coils.
All the 1500's have struts now. Very light duty tie rods.
Some disappointed guys thought they could put a plow on these trucks,
but they aren't suitable for plowing.
He's a GM guy himself, but if he gets a truck it will be a Ford.
He barely mentioned Chryco, and my brain basically shuts down then
anyhow, but I can ask if anybody cares.
So if you're shopping for a truck, know what you're getting.
I didn't get all the details, but that's the gist of it.
What surprised me is all the lame trucks he sees with 2 seats
and 4' bed.
I say lame because to me a PU without an 8' bed is lame,
but that's just me. I want to be able to throw sheetrock and plywood
in there.

--Vic


Even worse for the little 'Ranger' trucks. I have to use two 2" x 6" boards
stretched widthways in the pockets so that plywood/gyproc sits up over the
wheel wells.

Trucks
 

"JG2U" wrote in message
...
On Thu, 17 Apr 2008 09:08:39 -0400, Gene Kearns
wrote:

On Thu, 17 Apr 2008 09:33:24 -0300, Don White penned the following
well considered thoughts to the readers of rec.boats:

|
|"Gene Kearns" wrote in message
re.com...
| On Wed, 16 Apr 2008 20:13:05 -0400, Wayne.B penned the following well
| considered thoughts to the readers of rec.boats:
|
| |On Wed, 16 Apr 2008 18:50:37 -0500, Vic Smith
| wrote:
| |
| |I say lame because to me a PU without an 8' bed is lame,
| |but that's just me. I want to be able to throw sheetrock and plywood
| |in there.
| |
| |My Tundra has a 6 ft bed and handles 4 x 8 sheets easily with the tail
| |gate down.
|
| Sheetrock. 4' X 12'
|
|
|
|4' x 12' sheets are reserved for the 'pros'.
|

Nah... that's the 4' X 16' sheets.... on the ceiling....

You're right about that. I've done 4x12 sheets on a 2 story vaulted
ceiling... not fun. 4x16? Fuggettaboutit.

Even with a sheetrock jack the 4x12x5/8 we used down in Slidell with Habitat
for Humanity sucked.

Trucks
 

What ticked me off about the 1/2 ton series trucks is that MOST of
them (with extended cab!) come with either the 5.5 or 6.5 ft bed. In
the Ford class, you have to go down the the Work truck (XL class) and
even then they make you pay for a 'heavy duty' package, and that
requires a 4.10 rear-axle.

I just want a full size pickup with some interior room and capable of
carrying 8ft boards - that used to be pretty standard. Now you have to
go up to the SuperDuty range - and that's what I'm trying to downsize
from ! (I currently have an F-350)

I did find a Chevy Silverado that looked ok - maybe it's time I leave
the Ford brand.

------------------------------------
GDSmith
Harpers Ferry, WV

FOR SALE: 2003 Baja 242 Islander
http://ICanHelp56.homestead.com/Baja001.html
Two 2004 SeaDoo Supercharged RXPs
http://ICanHelp56.homestead.com/SeaDoo01.html

Trucks
 

On Thu, 17 Apr 2008 09:36:33 -0300, "Don White"
wrote:


"Vic Smith" wrote in message
.. .
My mechanic kid was just by, yakking at me about work.
He does truck suspensions, lots of them.
F-150's to FD ladder trucks.
Heres what he says about the little ones, F-150's and GM 1500's.
The F-150's shorter than the 8' bed now have struts instead of coils.
All the 1500's have struts now. Very light duty tie rods.
Some disappointed guys thought they could put a plow on these trucks,
but they aren't suitable for plowing.
He's a GM guy himself, but if he gets a truck it will be a Ford.
He barely mentioned Chryco, and my brain basically shuts down then
anyhow, but I can ask if anybody cares.
So if you're shopping for a truck, know what you're getting.
I didn't get all the details, but that's the gist of it.
What surprised me is all the lame trucks he sees with 2 seats
and 4' bed.
I say lame because to me a PU without an 8' bed is lame,
but that's just me. I want to be able to throw sheetrock and plywood
in there.

--Vic


Even worse for the little 'Ranger' trucks. I have to use two 2" x 6" boards
stretched widthways in the pockets so that plywood/gyproc sits up over the
wheel wells.

Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic

Trucks
 

"Vic Smith" wrote in message
...

Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic


The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son tonight.
Maybe he'll let me drive that on occasion.

Trucks
 

Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic


The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son tonight.
Maybe he'll let me drive that on occasion.

"We just signed the papers?"

Trucks
 

On Apr 17, 4:13�pm, GDSmith wrote:
What ticked me off about the 1/2 ton series trucks is that MOST of
them (with extended cab!) come with either the 5.5 or 6.5 ft bed. �In
the Ford class, you have to go down the the Work truck (XL class) and
even then they make you pay for a 'heavy duty' package, and that
requires a 4.10 rear-axle.

I just want a full size pickup with some interior room and capable of
carrying 8ft boards - that used to be pretty standard. Now you have to
go up to the SuperDuty range - and that's what I'm trying to downsize
from ! (I currently have an F-350)

I did find a Chevy Silverado that looked ok - maybe it's time I leave
the Ford brand.

------------------------------------
GDSmith
Harpers Ferry, WV

FOR SALE: 2003 Baja 242 Islanderhttp://ICanHelp56.homestead.com/Baja001.html
� � � � � � � � � Two 2004 SeaDoo Supercharged RXPshttp://ICanHelp56.homestead.com/SeaDoo01.html

Say, tht baja, is one nice looking boat!

Trucks
 

"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic


The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.

"We just signed the papers?"


Yeah... I bought it..... he'll eventually buy it from me. I should have
said I bought it. Since he's only had his drivers license for less than
three years, insurance premiums are too outrageous for him to buy any kind
of half decent car himself.

Trucks
 

Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic

The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"


Yeah... I bought it..... he'll eventually buy it from me. I should have
said I bought it. Since he's only had his drivers license for less than
three years, insurance premiums are too outrageous for him to buy any kind
of half decent car himself.




Hehehe. There's no need to explain anything you do to a loser like
Blurtie, Don. In fact, you're better off leaving them in the dark.
They're used to that.

Trucks
 

Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic

The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"


Yeah... I bought it..... he'll eventually buy it from me. I should have
said I bought it. Since he's only had his drivers license for less than
three years, insurance premiums are too outrageous for him to buy any kind
of half decent car himself.



When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to pick
up my new car. Insurance killed me. I was making $16,000 a year and
insurance was about $750 a year. A couple of tickets and an accident
within 4 months of each other were the cause.

Trucks
 

"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic

The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"


Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for less
than three years, insurance premiums are too outrageous for him to buy
any kind of half decent car himself.

When I bought my first new car the dealer was doing the financing and they
wanted me to have a co-signer. They asked about my father, mother and
anyone else. I told them if I needed a co-signer then the deal is off.
They called 15 minutes later and asked me when I would like to pick up my
new car. Insurance killed me. I was making $16,000 a year and insurance
was about $750 a year. A couple of tickets and an accident within 4 months
of each other were the cause.

If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.

Trucks
 

"JimH" wrote in message
...

"Don White" wrote in message
...

"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic

The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August, but
I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"


Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for
less than three years, insurance premiums are too outrageous for him to
buy any kind of half decent car himself.

When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to pick
up my new car. Insurance killed me. I was making $16,000 a year and
insurance was about $750 a year. A couple of tickets and an accident
within 4 months of each other were the cause.

If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.




Interesting but your agent may be wrong. The main thing an insurance
company normally cares about is who the primary driver of the vehicle is,
not who owns it.

Are things different up north Don?

That's correct. For the next few years the principal driver will be my
wife..... I get included automatically and we pay a $450.00 additional
premium to add our son as an occasional driver. In a couple of years he
will have his 5 years experience and should be able to purchase his own
auto.

Trucks
 

Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August, but
I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for
less than three years, insurance premiums are too outrageous for him to
buy any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to pick
up my new car. Insurance killed me. I was making $16,000 a year and
insurance was about $750 a year. A couple of tickets and an accident
within 4 months of each other were the cause.
If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.

Interesting but your agent may be wrong. The main thing an insurance
company normally cares about is who the primary driver of the vehicle is,
not who owns it.

Are things different up north Don?

That's correct. For the next few years the principal driver will be my
wife..... I get included automatically and we pay a $450.00 additional
premium to add our son as an occasional driver. In a couple of years he
will have his 5 years experience and should be able to purchase his own
auto.



The problem with providing incorrect information to an insurance
company, is you provide them with all the legal ammunition to avoid
paying any claim you submit. You stated it was your son's car, but you
purchased it to avoid high insurance bills for a young inexperienced
driver. You might as well not pay for any insurance, because if you
need it, they don't have to pay a penny.

If there is an expensive claim, involving a muscle car marketed towards
young males, the insurance adjuster is going to have a hard time
believing it really was your wife's car and she was the primary driver.
They have no problem accepting your premiums when you provide false
information, but they do hesitate to actually pay for claims when
someone lies on their application. I am sure, they can easily find
someone who will testify that the primary driver of the car was your
son, especially if it involves lots of money.

All an insurance adjuster would have to do is "Google' Don White
Charger" and he would have his evidence. Now if you have a ****ed off
neighbor or your son ****ed off a peer, any insurance investigator would
easily be able find additional witnesses.

Trucks
 

"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice. It's
spot on. I don't know where your head is. On second thought, I do.

Trucks
 

"JimH" wrote in message
...

"Reginald P. Smithers III" "Reggie is Here wrote in message
. ..
Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty
hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't
it?
As it is, if I can't tie it up on the roof of my car (I'll pick
up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August,
but I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I
should have said I bought it. Since he's only had his drivers
license for less than three years, insurance premiums are too
outrageous for him to buy any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father,
mother and anyone else. I told them if I needed a co-signer then the
deal is off. They called 15 minutes later and asked me when I would
like to pick up my new car. Insurance killed me. I was making $16,000
a year and insurance was about $750 a year. A couple of tickets and
an accident within 4 months of each other were the cause.
If my son bought the car himself, my insurance company said he would
pay approx $4500.00 per year for insurance. ( probably cheaper at
other 'high risk' companies)
This way works better since my wife needs a vehicle to get to work and
I need my Ranger truck for R&R purposes.

Interesting but your agent may be wrong. The main thing an insurance
company normally cares about is who the primary driver of the vehicle
is, not who owns it.

Are things different up north Don?

That's correct. For the next few years the principal driver will be
my wife..... I get included automatically and we pay a $450.00
additional premium to add our son as an occasional driver. In a couple
of years he will have his 5 years experience and should be able to
purchase his own auto.

The problem with..........snip

Don, ignore his reply.

I don't see it unless someone regurgitates his post.

Trucks
 

On Fri, 18 Apr 2008 15:06:34 -0400, "Jim" wrote:


"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice. It's
spot on. I don't know where your head is. On second thought, I do.

It's not so simple. Probably depends on the insurance agency.
Mine - one of the majors - has always juggled the 3 cars I insure with
them so the primary drivers are put on cars that result in the least
total premium.
They have never refused to pay any claim, though there have only been
a couple "at fault" to repair other cars and didn't add up to much.
Probably some thousands given the cost of even minor body work, but I
never asked.
There was never any question about the at fault driver - my son - not
being the primary driver for the car.
I've always been the primary driver on the cars he drove, which their
statisticians apparently thought was the most like accident prone
vehicle.
Never a Charger, however, so I can't say they would go for that.
Though the kid always wanted a Camaro, he had the sense to know
he didn't have the sense to keep out of trouble with it, or the money.
I've been with the same agency for over 30 years, and they actually
remember me when I make the occasional call, so that might make a
difference too.

--Vic

Trucks
 

"JimH" wrote in message
...

"Jim" wrote in message
...

"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice.
It's spot on. I don't know where your head is. On second thought, I do.

Go **** yourself.

You sure are a classy little guy.

Trucks
 

JimH wrote:
"Reginald P. Smithers III" "Reggie is Here wrote in message
. ..
Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty
hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't
it?
As it is, if I can't tie it up on the roof of my car (I'll pick up
a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August,
but I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I
should have said I bought it. Since he's only had his drivers
license for less than three years, insurance premiums are too
outrageous for him to buy any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to
pick up my new car. Insurance killed me. I was making $16,000 a year
and insurance was about $750 a year. A couple of tickets and an
accident within 4 months of each other were the cause.
If my son bought the car himself, my insurance company said he would
pay approx $4500.00 per year for insurance. ( probably cheaper at other
'high risk' companies)
This way works better since my wife needs a vehicle to get to work and
I need my Ranger truck for R&R purposes.

Interesting but your agent may be wrong. The main thing an insurance
company normally cares about is who the primary driver of the vehicle
is, not who owns it.

Are things different up north Don?
That's correct. For the next few years the principal driver will be my
wife..... I get included automatically and we pay a $450.00 additional
premium to add our son as an occasional driver. In a couple of years he
will have his 5 years experience and should be able to purchase his own
auto.
The problem with..........snip

Don, ignore his reply.



If you want Don to expose all of his assets to a law suit, and to drive
a car without the benefit of insurance, but with the inconvenience of
actually paying for it, you should recommend he ignores my advice and
lies on his insurance application. Whatever floats your boat.

Trucks
 

Vic Smith wrote:
On Fri, 18 Apr 2008 15:06:34 -0400, "Jim" wrote:

"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice. It's
spot on. I don't know where your head is. On second thought, I do.

It's not so simple. Probably depends on the insurance agency.
Mine - one of the majors - has always juggled the 3 cars I insure with
them so the primary drivers are put on cars that result in the least
total premium.
They have never refused to pay any claim, though there have only been
a couple "at fault" to repair other cars and didn't add up to much.
Probably some thousands given the cost of even minor body work, but I
never asked.
There was never any question about the at fault driver - my son - not
being the primary driver for the car.
I've always been the primary driver on the cars he drove, which their
statisticians apparently thought was the most like accident prone
vehicle.
Never a Charger, however, so I can't say they would go for that.
Though the kid always wanted a Camaro, he had the sense to know
he didn't have the sense to keep out of trouble with it, or the money.
I've been with the same agency for over 30 years, and they actually
remember me when I make the occasional call, so that might make a
difference too.

--Vic


Vic,
It is easy to call up any insurance company and ask the question. On
small claims, it will probably go through without an adjuster looking
too closely. Let it be a large claim, the kind that would wipe out the
average assets of an American and Canadian, the adjuster is going to
say, Mmmmmmm I wonder why a woman in her 60's is the primary driver of a
muscle car, that is not your typical 60 yr old car, and now her son had
this accident in "her" car. Is there a way we can get out of paying
this claim. If someone is put into a hospital for an extended length of
time, Don will have zero assets, but i am sure he will remember my
advice, but it will be too late.

Trucks
 

JimH wrote:
"Vic Smith" wrote in message
...
On Fri, 18 Apr 2008 15:06:34 -0400, "Jim" wrote:

"JimH" wrote in message
...
Don, ignore his reply.

Hey little guy. It would be foolish for Don to ignore Reggie's advice.
It's
spot on. I don't know where your head is. On second thought, I do.
It's not so simple. Probably depends on the insurance agency.
Mine - one of the majors - has always juggled the 3 cars I insure with
them so the primary drivers are put on cars that result in the least
total premium.
They have never refused to pay any claim, though there have only been
a couple "at fault" to repair other cars and didn't add up to much.
Probably some thousands given the cost of even minor body work, but I
never asked.
There was never any question about the at fault driver - my son - not
being the primary driver for the car.
I've always been the primary driver on the cars he drove, which their
statisticians apparently thought was the most like accident prone
vehicle.
Never a Charger, however, so I can't say they would go for that.
Though the kid always wanted a Camaro, he had the sense to know
he didn't have the sense to keep out of trouble with it, or the money.
I've been with the same agency for over 30 years, and they actually
remember me when I make the occasional call, so that might make a
difference too.

--Vic

The only reason Reggie got up on his soapbox after his Google search on the
matter was to make sure Don got screwed if his scenario came true. Reggie
sealed the deal by including a key phrase (in parenthesis) in his elitist
response.

BTW: The term elitist defines Reggie well based on his nasty remark about
my Marine son who is a heavy construction equipment operator.

In case you missed his remark, here it is:

"While JimH's son is wielding a shovel, my son will be molding the minds of
the future leaders of America."

Herring later endorsed it.

Nice guys.



Did you not see where I praised the work of all blue collar workers? I
not only praised them, but love the show "Dirty Jobs" and am glad we
have people doing these very important jobs. You have got to be proud
of your son, he is doing what he wants to do.

Trucks
 

Reginald P. Smithers III wrote:


Did you not see where I praised the work of all blue collar workers?

More of reggie's bull****.

Trucks
 

Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148 hp)
I can't justify mine either since I sold my sailboat last August, but I
still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for less
than three years, insurance premiums are too outrageous for him to buy
any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and they
wanted me to have a co-signer. They asked about my father, mother and
anyone else. I told them if I needed a co-signer then the deal is off.
They called 15 minutes later and asked me when I would like to pick up my
new car. Insurance killed me. I was making $16,000 a year and insurance
was about $750 a year. A couple of tickets and an accident within 4 months
of each other were the cause.

If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.

$4500 CDN per year is quite a bit. Has your son done something to move
himself into the high risk category?

When we had au-pairs, from Europe, they only bumped up or insurance by
about $400 per year. The were 18 years old or older and most had less
than 1 years worth of driving under their belts.

Trucks
 

Don White wrote:
"JimH" wrote in message
...
"Don White" wrote in message
...
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August, but
I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for
less than three years, insurance premiums are too outrageous for him to
buy any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to pick
up my new car. Insurance killed me. I was making $16,000 a year and
insurance was about $750 a year. A couple of tickets and an accident
within 4 months of each other were the cause.
If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.

Interesting but your agent may be wrong. The main thing an insurance
company normally cares about is who the primary driver of the vehicle is,
not who owns it.

Are things different up north Don?

That's correct. For the next few years the principal driver will be my
wife..... I get included automatically and we pay a $450.00 additional
premium to add our son as an occasional driver. In a couple of years he
will have his 5 years experience and should be able to purchase his own
auto.

Five years? That is an awfully long time to be paying that much in
insurance.

Trucks
 

On Fri, 18 Apr 2008 20:37:41 -0400, "JimH" wrote:



"While JimH's son is wielding a shovel, my son will be molding the minds of
the future leaders of America."
Reginald P. Smithers III 4-18-08 rec.boats

John Herring (JohnH) immediately endorsed that statement by posting this:
" If you took Reggie's comment as an insult to your son, you must think blue
collar work is some real ****. Shame on you."

To which JohnH later posted"
"Oh, I thought he'd been promoted out of basic. When did he make E-2? The
Army calls and E-3 'Private First Class'. I was wondering how he got
promoted so fast. I don't believe there is a job titled 'Construction Heavy
Equipment
Operator'. Somebody must be pulling your leg."

FYI: My son is serving our Country as PFC with the USMC and is Construction
Heavy Equipment Operator.

I cannot believe the nasty comments Reggie and John have made, but I guess
those comments tell you about their integrity and respect they have for our
military and blue collar workers.
=======================================


From what I'm seeing, your son made a very wise decision. He chose an
occupation and first duty station that would get him well away from his
father!

Goodbye.
--
John *H*
(Not the other one!)

Trucks
 

"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"BAR" wrote in message
. ..
Don White wrote:
"Vic Smith" wrote in message
...
Truth be told, if I wanted to have something for light duty hauling,
that's the type of truck I'd get. Pretty easy on the gas, isn't it?
As it is, if I can't tie it up on the roof of my car (I'll pick up a
few 2x4's to support sheets that flex.) I just get it delivered.
For what I do now though, I can't justify a single duty truck.

--Vic
The 3.0 V6 is a bit thirsty and underpowered at the same time (148
hp)
I can't justify mine either since I sold my sailboat last August, but
I still have one year to go on the Rangers lease.
We just signed the papers for a 2007 Dodge Charger SXT for my son
tonight. Maybe he'll let me drive that on occasion.
"We just signed the papers?"

Yeah... I bought it..... he'll eventually buy it from me. I should
have said I bought it. Since he's only had his drivers license for
less than three years, insurance premiums are too outrageous for him to
buy any kind of half decent car himself.
When I bought my first new car the dealer was doing the financing and
they wanted me to have a co-signer. They asked about my father, mother
and anyone else. I told them if I needed a co-signer then the deal is
off. They called 15 minutes later and asked me when I would like to pick
up my new car. Insurance killed me. I was making $16,000 a year and
insurance was about $750 a year. A couple of tickets and an accident
within 4 months of each other were the cause.

If my son bought the car himself, my insurance company said he would pay
approx $4500.00 per year for insurance. ( probably cheaper at other 'high
risk' companies)
This way works better since my wife needs a vehicle to get to work and I
need my Ranger truck for R&R purposes.

$4500 CDN per year is quite a bit. Has your son done something to move
himself into the high risk category?

When we had au-pairs, from Europe, they only bumped up or insurance by
about $400 per year. The were 18 years old or older and most had less than
1 years worth of driving under their belts.

Driving back from the Stones concert in New Brunswick almost two years ago,
he got a speeding ticket.
That jacked up his 'occasional driver premium by 20%.
he's got two marks against him... he doesn't have 5 years driving/insured
and the ticket.
Some companies up here just don't want the inexperienced drivers. At one
time age was the big problem, but now it's experience.
I sure do wish we had run the insurance companies out of the province and
set up a gov't operated plan like a couple of provinces out west.