I would check a different insurance agent. There should be no requirement to buy a commercial insurance for private use of a private vehicle. Now, if you were using your F450 for commercial purposes or if it were licensed to a business, that would be different, but if you're putting private license plates on it and using it for private transportation, he's not reading something correctly.
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John
2015 F250 6.7l 4x4
2014 Cougar X Lite 27RKS
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