So, if it benefits you, file a complaint with your state insurance
commissioner.... and send a copy to Ford.
In California, it costs more to register a truck than a car because
trucks are considered commercial and are therefore income producing
vehicles. Throw a camper shell on it and it becomes recreational. But,
as soon as you remove the shell, it becomes a commercial vehicle
again.
It's like magic. The state found a way to increase revenues. There
must be some way the insurance companies gain by classifying it as a
truck.