Affordable Florida Pickup Truck Insurance for Work Situations
February 9, 2021
Since individuals can own any sized truck from a compact pickup to a dually, the need for personal Florida pickup truck insurance can vary. Conversely, since businesses can own any number of pickup trucks for numerous work situations, the need for commercial Florida pickup truck insurance can vary.
It is not surprising that coverage needs can differ greatly for the same model of truck being used on the same roadways. Moreover, policy rates for work trucks are calculated according to a number of factors that have to be considered when shopping for pickup truck insurance, such as your company’s safety record and history of accident claims. Although small business owners often fail to do so, it can save you money in the long run if you work with an independent truck insurance agent before your purchase a vehicle. Whether you are concerned about the insurance costs associated with owning a particular truck or not, an experienced agent can help you make a more informed buying decision.
Pickup Truck Coverage Options
As a business owner, you likely need some of the same insurance coverages for your cars, trucks, or vans at work as you do for your personal travel. Nonetheless, it doesn’t matter what you haul or pull, make sure you have the right insurance coverages for your personal or fleet of pickup trucks being used at work. Since Florida is a “No Fault” state, personal injury protection (PIP) policies will cover minor injuries sustained in vehicular accidents. However, with so much depending on your trucks, be sure to protect your investments with the proper types of commercial auto insurance. Common types of pickup truck insurance coverages for full-size vans, cars, and pick-ups include:
- Liability Insurance – Liability pickup truck insurance protects your company if one of your vehicles is in an auto accident and your driver is at fault. Additional bodily injury coverage can pay for ambulatory services, emergency care, ongoing hospital care, rehabilitation, long-term care, funeral expenses, and pain-and-suffering.
- Physical Damage Coverage – Physical damage pickup truck insurance offers protection in the event one of your vehicles collides with an object (collision) or is stolen (comprehensive). In addition, optional comprehensive pickup truck insurance pays for the cost of other repairs for damages not caused by collision or roll over.
- Underinsured Motorist – Although basic auto insurance coverage is mandated by most states, there are still uninsured and underinsured drivers on the roads. Without uninsured motorist insurance for your pickup trucks or vans, a collision with an uninsured motorist, or someone who does not carry adequate coverage, could leave you to pay the bills.
Whether your business uses small to larger sized pickup trucks or vans, you cannot afford to have something bad happen to your investments. Moreover, from fender benders to major collisions, Florida’s I-95 is ranked as one of the nation’s deadliest roadways for commercial vehicle collisions. If you own and operate a pickup, commercial pickup truck insurance provides protection for individual drivers and your business finances in situations that a personal auto insurance policy does not cover. So, it is critical that you understand insurance distinctions of driving for personal and business purposes. In certain situations, adding commercial auto insurance may be a smart choice for your personal vehicle.
Save Money on Pickup Truck Insurance
We understand that your trucking needs are a major part of your business. That’s why we offer the best pickup truck insurance discounts for the flexible coverage your company needs. Our individualized approach utilizes an experienced group of independent agents who allow you to bundle your coverage with other policies for your business operations as well as all appropriate employees. Pickup truck coverage options can be personalized for your industry to meet each driver’s specific need. Our knowledgeable employees will take the time to understand your unique needs and will work diligently to provide the pickup truck insurance you need and at price you can afford.
Since pickup truck prices keep climbing, fully loaded trucks can come with equally exorbitant insurance rates. Fact is expensive pickup trucks, just like higher end cars, can cause your company’s truck insurance rates to skyrocket. Fortunately, there are plenty of pickups that qualify for low insurance costs. So, prior to purchasing your next vehicle, contact an independent agent at Nsurance Nation or Affordable Auto Insurance Jacksonville to avoid buying a budget buster.
Each year, when it comes to the most popular vehicles in the United States, pickup trucks are often at the top of the list. However, based on your company’s prior insurance coverage, CDL discounts, and years of business experience, as well as package discounts, our agents can provide some of the most competitive rates in the industry for owners and operators searching for affordable pickup truck insurance. Whether you focus on long-haul trucking or use your pickup for local projects, it is always prudent to purchase what you need and nothing more. Ready to compare pickup truck insurance rates for your work trucks? Let’s get started right now. You can get a FREE online quote by email or call today to see how much we can save you in 2021 on protecting your business pickup truck or fleet of pickup trucks and vans.