Truck Insurance
Protect Your Truck with One Easy Call
Truck insurance can be costly, depending on the vehicle type and use. Older or commercial trucks may affect pricing. Policies often extend to pickup trucks and vans used for business. A quick call can help you determine exactly what your needs are.
1-800-341-3077Whether you own a single truck or an entire fleet, you must find an affordable policy that provides the coverage you need at an affordable price.
Is Commercial Truck Insurance Different
from Personal Auto Insurance?
Yes. The biggest difference between commercial and personal insurance is the type of liabilities the insurance covers. Both types of insurance cover motor vehicle collisions, however, commercial truck insurance often covers higher claims.
Additionally, personal and commercial insurance doesn’t cover the same types of vehicles. Commercial truck insurance covers larger trucks, such as dump trucks and semi-trucks, while a personal truck car insurance policy covers pickup trucks.
What Does Pickup Truck Car Insurance Cover?
Like commercial truck car insurance, pickup truck car insurance includes:
Liability
In most states, liability coverage is mandatory. A driver is legally required to purchase the minimum amount of liability insurance set by law. Liability insurance includes two components, bodily injury and property damage.
Physical damage
If a driver is hit by a motorist who is underinsured or uninsured, this coverage can help pay for the cost of medical bills, and repairs to a vehicle, in some states.
Uninsured or
underinsured
This insurance can cover vehicle damage that is caused by vandalism, fire, or inclement weather.
What Factors Affect the Cost of Truck Car Insurance?
The following factors can have an impact on the cost of truck insurance:
Truck Model
Top-of-the-line trucks that come equipped with extra features will cost more to insure than a basic truck. This is because a truck with more features, or a customized truck will cost more to replace. Trucks that cost more to replace will cost more to insure.
Safety Features
A truck that comes equipped with superior safety features can lower insurance rates. A model that features anti-lock brakes or additional airbags can qualify for discounts. Some insurance providers prefer a truck that has traction control, providing safer driving in dangerous weather conditions.
Truck Age
A newer vehicle is likely much safer than an older vehicle. A newer vehicle is often easier to fix because the parts are easier to locate compared to older trucks.
What Are the Different Types Of Truck Insurance?
Truck owners face unique risks on the road, which makes finding the right insurance coverage vital.
Commercial truck insurance coverage options include:
What Industries Commonly Use Pickup Trucks?
Many different industries utilize pickups to transport supplies and equipment to job sites. Some of the most common industries that use pickup trucks for business purposes include:
Electricians
Roofers
Painters
Plumbers
Movers
Contractors
Construction workers
Landscapers
Can I Insure Multiple Trucks Under One Policy?
Fleet insurance is a type of truck car insurance that covers multiple trucks owned and operated by a single company. This type of insurance simplifies coverage for multiple vehicles, offering business owners a more affordable option.
