While having car insurance is certainly necessary, wasting money on overly expensive policies isn’t.
In order to get the most out of the robust modern auto insurance market, truck drivers need access to good information about insurance rates.
This effort to get the most out of insurance is where making use of a car insurance comparison site can save individuals in specialized professions like truck driving a lot of time and effort, not to mention money.
Compare car insurance quotes to find the best company for your unique needs.
The Basic Types of Car Insurance and Their Provisions
Many states require vehicle owners to at least purchase liability insurance coverage. Liability car insurance generally covers the owner of the policy if an accident is deemed to be a result of their actions.
There are two basic kinds of liability insurance:
- bodily injury
- property damage
As its name suggests, bodily injury liability insurance covers any physical injuries that are caused by the vehicle of the policy owner. In some cases, the policyholder is held accountable for bodily injury even if someone else is driving the covered vehicle.
Property damage liability coverage provides funds for any damages to the following:
- other party’s vehicle
- other types of property
Having a high policy limit can protect individuals from the possibility of having to pay accident-related costs out of pocket.
Personal Injury Protection (PIP)
Personal Injury Protection insurance serves a similar function. This kind of policy covers the medical bills of the policyholder and any passengers in the vehicle during an accident.
PIP coverage can also provide those injured in accidents with compensation for lost work time. Like bodily injury, PIP is often mandated by state governments.
Uninsured Motorist Coverage
Another type of auto insurance that is often required is uninsured driver coverage. This coverage provides policy owners with reimbursements in the event of an accident involving an uninsured driver.
Many companies also offer underinsured motorist plans, which can make up the difference if at-fault drivers don’t have enough coverage to pay for all accident-related costs.
With hundreds of thousands of accidents caused by underinsured drivers every year, securing this type of coverage is wise.
Mandated policies like liability cover damage to the vehicles of others. In order for insurance shoppers to protect their own vehicles, they’ll need to purchase collision policies.
Collision coverage provides reimbursements for any collision-related damages caused to the vehicle of the policy holder if they are deemed to be at fault.
Many collision policies can provide protection if customer vehicles are damaged by poorly maintained roads.
Glass coverage is a wise optional coverage choice. Since glass can be easily damaged by a variety of hazards and is crucial for safe vehicle operation, having some level of glass coverage is a smart move.
Comprehensive auto coverage shelters vehicle owners from the costs of damages incurred from non-collision incidents like:
Many car insurance providers give clients rebates or discounts for safety features like anti-lock brakes, air bags, daylights, and even theft prevention systems.
Options to Take Note of When Shopping for Car Insurance
Truck drivers often qualify for discounts and special deals. Many drivers are members of unions or trucking associations, and these organizations often arrange for special consideration for their members.
Any drivers that are members of such institutions should take a close look at the auto benefits packages that may be available.
Another way that truck drivers can save on their insurance policies involves bundling policies. Bundling is simply purchasing different types of insurance policies from the same provider.
For example, a given customer could purchase life, home, and auto insurance all at once.
Have All Necessary Information Ready Before Applying for Quotes
In order to make the process of quote hunting easier, insurance shoppers should be sure to have some basic information close at hand. This information should include:
- license number
- driving history
- vehicle identification number
When comparing coverage between different providers, it can pay to take a close look at the medical coverage provisions for drivers and passengers. In addition, the amount of any deductibles or premiums should be affordable.
As can be seen, there’s a lot that goes into shopping for car insurance. That said, truck drivers who apply the tips in this article will be taking big steps towards securing affordable car insurance.
Compare options for insurance for your truck and find the right company at the right price.