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I have my big Ford F-450 dually insured with Allstate just like my Audi A4, its only $20 a year more or so. The difference is that my F-450 GVWR is 16,000lb and GCWR is 35,000lb but the GVW or actual unladen weight is less than 10k, full of fuel (110 gallons) it weighs 9,600lbs. That and the...