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. 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.

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

View Mobile Version

Our Locations
Stuart Office
2041 E. Ocean Boulevard
Stuart, FL 34996

Phone: (772) 287-3366
Fax: (772) 287-4439
Toll Free: (800) 273-9800
Open: Monday - Friday
 8:00 AM - 4:30 PM
Tequesta Office
400 N. Cypress Drive, Suite 24
Tequesta, FL 33469

Phone: (561) 745-8894
Fax: (561) 745-8871
Toll Free: (866) 556-6766
Open: Monday - Friday
8:30 AM - 5:00 PM
© Copyright. All rights reserved. Powered by Insurance Website Builder. Click Here for our Web Site Privacy Policy.