Silver truckIf you own a pickup truck, you likely use it for a variety of different tasks. You might use them for commercial purposes, or personal hauling on your property. You may use them while on vacation or just for getting around time.

Because trucks are so versatile, they come with a wide variety of risks. You are often hauling items in your truck bed along with family and friends in your truck’s cab. AutoInsurance.org estimates that the average yearly cost of insurance on a Ford F-150 truck is around $2500 in 2016.

Typical coverage for a personal pickup truck includes liability and comprehensive coverage. Most policies will also include personal injury protection (PIP) and property damage coverage. However, no policy is the same. Check with your insurance provider to make sure you get the right coverage.

Auto insurance rates for pickup trucks vary in many of the same ways that they do for other types of vehicles. Your driving record, age, credit score, and other information may affect your rates.

However, other factors specific to trucks might come into play in rate determination.

  • If you use the truck for personal purposes, you will likely save on rates. However, if you use your truck for business, you likely need commercial auto insurance. Commercial auto insurance may cost more, but it provides higher levels of coverage. Higher coverage levels can protect business profitability.
  • The type of truck you have will impact rates. Truck sizes and designs vary. A simple pickup truck will likely have a lower rate than a truck with a larger, commercial design.
  • How you use your truck is an important aspect of rate determination. Some people might only drive their trucks for agricultural purposes on their land. Others might operate trucks only for hauling personal belongings on highways. Still more will use trucks as everyday personal vehicles. You assume a different level of risk in each scenario. Since each use is different, rates might also change.
  • Your cargo might impact your rates. Some types of cargo are more dangerous than others. Some people carry hay or dry goods in their truck. Others might carry more dangerous items like chemicals or machinery. If you carry a sensitive cargo on a regular basis, make sure your coverage levels protect you in case of losses.

As you prepare to insure your truck, think about what you use it for. Also consider the type of truck you have. As we learn more about your truck, we can help you choose the best auto policy for you. Explore our website to learn more about our offerings. You can also give us a call today for a Stuart FL auto insurance quote.

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