What is the best auto insurance for a pickup truck?
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UPDATED: Jul 10, 2021
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Finding the right kind of auto insurance for your pickup truck depends on many different factors.
For example, are you using your pickup for business purposes? Is your pickup truck considered heavy-duty? These are the types of questions you should ask yourself before you start your search.
Pickup trucks vary in model type and size and that is something else you should take into account when you compare auto insurance policies and rates.
The best auto insurance for your pickup truck will give you professional service at a comparable rate.
What is the difference between regular auto insurance and pickup truck insurance?
Pickup truck insurance is usually bundled into group coverage that may include comprehensive, collision, liability, uninsured motorist and more.
It is considered commercial rather than residential and should be acquired separately from any automotive insurance you have. Because most pickup trucks are used commercially, your current auto policy may not cover your pickup truck.
Does it cost more to insure a pickup truck?
Pickup trucks are larger and heavier than regular cars. If there is damage done, the cost to repair or replace a pickup truck is greater than the cost to repair a car. Therefore, your premium will be higher.
If you want to keep your rates lower, invest in security features for your pickup. You can include this information in your policy and may be eligible for discounts.
How much coverage should I have for my pickup truck?
As with most vehicles, you must maintain a minimum level of liability coverage to ensure that you are protected if you damage another vehicle or their personal property.
You should also have collision, comprehensive and uninsured motorist coverage. Each of these types of coverage will provide you with the level of support you need if you or someone else is injured.
What will I need to apply for insurance for my pickup truck?
Typically, the insurance company will need your personal information like, name and address and contact telephone number. They will also need vehicle data that includes the make and model of your vehicle as well as the year.
They may ask about previous insurance you had on the pickup truck and will contact the Department of Motor Vehicles for your driving record.
I use my pickup truck for commercial hauling, can I receive a discount?
If you’re doing a lot of business driving, you’ll most likely need a commercial policy as this is considered a different type of risk. While some companies will allow for some business use, they often rate the usage slightly differently.
However, always check with your agent to see what discounts are available. It’s definitely beneficial to inquire about specials when you are shopping for auto insurance.
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I was involved in an accident, now what do I do?
The first step is to notify your auto insurance provider of the accident. They will help you gather all of the information surrounding the accident and file a claim.
Depending on the specifics of your auto insurance policy, you may have to pay a deductible. The amount of your deductible can be as low as $250 and as high as $2500.
Does pickup truck insurance cover car rental fees?
If you are in need of a rental car while your pickup truck is being repaired, you can elect to have extra coverage to include this option.
Because pickup trucks are usually involved in heavy activity, they will require more maintenance than a residential vehicle. Having rental car coverage may be cost effective.
Does pickup truck insurance cover towing costs?
Another feature that most residential auto insurance plans include is a towing allowance. If your pickup breaks down you may need a tow to your home or a repair shop.
This option is available for you to exercise with your pickup truck insurance. You will not be stranded at a remote location because of mechanical failure.
Does pickup truck insurance cover trailer hitches?
One of the most attractive features of a pickup truck is their ability to pull heavy loads. However, if you are involved in a vehicle collision, you want to make sure that your trailer is protected.
Your business may rely on your pickup truck and you will need to protect your investment. Trailers (typically smaller utility trailers) can be added to your insurance very easily.
Will pickup truck insurance cover any cargo I am hauling?
Your cargo will also be protected through pickup truck insurance. If you use your pickup truck to carry various items or packages and they are damaged or lost, you will be covered for your inconvenience. However, you may be required to add an additional coverage limit.
This is an excellent incentive for your small business to exploit.
What if I have a navigation system or other type of electronic device installed? Will truck insurance protect my accessories?
Yes, if you choose to cover your accessories, truck insurance can protect them. Many rely on multiple avenues of communication, so it is a good idea to consider covering anything that can hinder the growth of your business.
Owning a pickup truck can be a great investment for a small business or company that specializes in anything from landscaping to pizza deliveries.
Obtaining the right type of auto insurance for your pickup truck will ensure that you will receive all of the benefits you need.