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.