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I had similar questions about which truck when I bought my Montana. I showed my weight stickers to my State Farm guy and he said that if I had a crash and was not "legal" according to the weight stickers, then I was not covered.
That was all I needed to get the right truck, by DOT weight sticker.
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Jim & Martha Abernathy
2014 Montana 3402RL Level UP, Sailun S637's, TST 507, 500W solar
2014 Ram 3500 Laramie® 4x2 diesel dually crew-cab 3.73 axle, Reese R20
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