I'm not an insurance expert, but I'm assuming what is printed in your manual / factory spec is what they would use 

I think the audikick would tow a double-wide but I sure wouldn't do it. towing right to the limit is both irresponsible and terrifying. I have been in a couple close calls with towing in my life so I bias to overkill.
fullsize,turbo diesel,(perfer manual trans),3/4 ton minimum is the recipe for me.