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Pickup Truck Insurance

Vehicles are a big part of our life. Most of them are used to help us get to and from work or school. But many people also rely on vehicles for their business. Pickup trucks are especially common when it comes to vehicles used for business purposes. If you are currently in the market for a pickup, the question of insurance and how much you need may come to mind. For truck insurance, what best suits you can be different from what your neighbor will need. It all really depends on what you use your truck for. If you just use it to haul stuff every now and then on the weekends, then a personal auto policy may be sufficient. If you are a self-employed contractor, your insurance requirements will be a little different. It is best to get your auto insurance all sorted out. This post will help to address the concerns you may have regarding all the ins and outs of truck insurance coverage.

Who Needs Pickup Truck Insurance?

If you own a vehicle, you need insurance for it. It is genuinely that simple. Pretty much any vehicle on the road needs insurance, according to the laws in a number of states. You may be undecided on what kind of insurance you need. Some have their pickups for personal use, while others are intended for conducting business. A number of industries rely on pickup trucks every day:

  • Contractors
  • Construction
  • Landscapers
  • Plumbers
  • Movers
  • Electricians

There are a variety of people who use pickup trucks either out of necessity or just because they prefer them over cars. However you use your pickup, it needs to have insurance. One accident can be financially draining, and you do not want your assets to be at risk, especially if you are a business owner. It is best to figure out what types of coverage you need and the kind of insurance policy you should obtain before hitting the road.

Available Pickup Truck Insurance Coverage

Pickup truck insurance can protect both you and your vehicle. Listed below are some common types of coverage pickup truck insurance can offer:

  • Liability - Liability coverage includes both bodily injuries and property damage that you cause in an accident you are found to be at fault for. If you have opted for a commercial policy, liability will also protect your employees should they cause a collision.
  • Collision - The first half of property damage coverage, collision coverage will pay for repairs to your truck following an accident. It pays out no matter who was found to be at fault.
  • Comprehensive - The other half of property damage coverage, comprehensive coverage pays for repairs to your truck after it sustains damage from a non-collision-related incident. This includes theft, vandalism, fire, and extreme weather.
  • Uninsured/Underinsured Motorist - Provides you with coverage if you are involved in an accident with an uninsured/underinsured driver. It will help pay for your medical expenses and truck repairs.
  • Medical Payments - Medical payments, also referred to as MedPay, will cover you, your passengers, and your employee’s medical expenses following an accident. It pays out no matter who was at fault for the collision.

What has been outlined above are some of the common types of insurance you can purchase for your pickup truck. Standard coverage includes only liability insurance, which is mandatory in several states. Everything else would have to be added to your policy in order to expand coverage. Other types of insurance you can purchase include roadside assistance and gap coverage.

How Much Does Pickup Truck Insurance Cost?

On average, it costs around $1,500 annually to insure your pickup truck. That comes out to about $125 per month for insurance. However, insurance rates are personalized, meaning the insurance quote you receive can easily be above or below this national average. There are a variety of factors that insurance companies take into consideration when it comes to determining your insurance rates:

  • Driving record
  • Your truck’s make, model, and year
  • Location
  • Usage
  • Credit score
  • Age and gender

As you can probably see, some of these factors you can control while others you can’t. It is best to keep these in mind when shopping for a truck insurance policy. If you’re looking for a commercial auto policy for your truck, your provider will want to know about the industry and circumstances you use your truck for. Causal truck use will see lower rates than commercial use. If you are concerned about costs, search and compare rates from a number of insurance companies. This will help you analyze policies and premiums in order to find you the most appealing insurance coverage with the best price tag.

Choosing The Right Truck Insurance

As we have mentioned briefly, a truck can be used for a variety of reasons. Maybe you use yours just to get to work or head to the grocery store. Other truck drivers may rely solely on their vehicles to transport equipment or complete jobs. Perhaps the lines get blurry, and you are uncertain if your truck is for recreation or business. Whatever the case may be, you will have to make a decision on whether to obtain personal car insurance or commercial truck insurance. This is important to do in order to assure you have proper coverage. If you are uncertain what is best for you, reach out to your insurance agent for help. You never want to hit the roads without the necessary insurance.

Personal Truck Insurance

Sizes of trucks can range. Suppose you purchase a smaller truck with the intention of using it to get to and from work. Maybe on the weekends you enjoy bike riding and use the bed of your truck to transport your bicycle. It is more convenient than trying to fit a bike onto the back of a sedan. Since you have a truck, your friends may also ask you to help them haul items like furniture if they are moving. While you are using your truck to transport items, this still falls under personal use. You would most likely best benefit from a personal auto insurance policy to insure your truck.

Commercial Truck Insurance

If you are investing in a more expensive, larger pickup truck, you may have the intention to use it for more things like work. If you are someone who works in construction or a job that demands the hauling of equipment or items, a commercial auto policy may be the way to go. Those in such a demanding field that are either self-employed or own a business need commercial truck insurance. It will protect not only them but also their employees. It can even offer larger coverage limits to give you and your truck better protection.

Get a Truck Insurance Quote Today

Looking for insurance for your truck? Contact us today to get a free truck insurance quote. Make sure you let us know your zip code, details of your business, and truck information. By providing us with all this, we can get a better idea of the coverage you need. Quotes are available either at one of our many locations or online in just a few clicks via our website and mobile app. We are also just one call away. Get your truck insured today and drive off worry-free tomorrow.

*This product may not be available in every state, please call an agent for more information.