Compare Truck Insurance Rates

Truck insurance comes in two forms. Regular “pickup” trucks, with a short or long wheel base and a V-6 or V-8 engine, are classed similarly to passenger cars. This is because these trucks are designed for hauling relatively small loads and transporting passengers, not for commercial work. Larger trucks, which have the primary purpose of hauling very heavy loads or doing commercial jobs, are classed differently and require a different type of automobile insurance.

If you are looking for passenger truck insurance, your auto insurance company is the best place to start. If you currently have auto insurance on a car, adding a passenger truck to your policy is no problem. You will probably qualify for a multiple-car discount, as well.

However, if you are insuring a vehicle considered as “commercial,” you may have to look for a different agent or at least obtain a different policy. Bear in mind that even using a passenger truck for commercial purposes will require different coverage than simply using it for personal driving.

Commercial trucks are classed according to size and purpose. The larger the truck, the more miles it is driven, and the more hazardous the work involved, the higher the premiums for insurance will usually be.

Commercial trucks typically carry four types of coverage. Liability insurance is similar to what cars carry; it protects the driver in the event of damage caused to another vehicle or person. Cargo insurance covers the items contained within the truck. If a truckload of fine china is damaged in an accident, cargo insurance would cover the loss. Physical damage is similar to “comprehensive” coverage on an automobile; it covers damage from hail, floods, or other causes that may not be covered by the regular insurance policy. Workers’ compensation and medical protect the driver if he or she is injured on the job as a result of operating the truck. There is also a fifth type of coverage called “bob-tail” insurance which protects the truck when it is stored or not actually in use.

The most direct way to find a good insurance policy on your truck is to call several agents and compare prices. National companies such as Allstate, Nationwide, State Farm, or Progressive may be good options, as many commercial vehicles are driven over state lines, and different laws may apply to accidents in other locations. National companies have the resources to deal with this issue.

Another way to find low rates is to perform an internet search. Some websites are devoted to commercial truck insurance issues, such as This website has information on many commercial trucking insurance issues and can help you find companies that insure commercial vehicles. You can also try, a warehouse of trucking insurance companies that offers phone and internet service.

Be aware that many websites deal with commercial trucking in other countries, so be sure that the one you choose is based in the United States. Also, be aware that not all companies cover commercial trucks in all fifty states. Some companies have exclusion clauses for certain metropolitan areas, such as New York City and Los Angeles. Be sure you understand the limits of the policy for which you are applying.

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