Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 26, 2021

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In a nutshell...

  • The make and model of the truck will factor into the cost of insurance
  • Renting a truck might be covered in your policy
  • Insurance companies calculate the cost of insurance differently based upon various factors

When you get car insurance for a truck, it’s important to look at the make and model. Additionally, you have to look at how you’re going to use it.

This information will allow you to determine the cost of insuring your truck throughout the year.

Once you know more about what you’re going to be doing with your truck, it will be easier to get the needed coverage. Compare insurance quotes for your truck. See how much you could save!

The Truck You Drive

There are all sorts of different makes and models of trucks. If you’re insuring a pickup truck, then it’s going to require standard car insurance. If you have a semi or an even larger truck, however, you’re going to need commercial auto insurance.

Personal auto insurance will provide you with coverage on a pickup truck. It doesn’t matter the make or model in terms of getting the insurance.

The make and model factors into the quotes when it comes to finding out the total cost of coverage. The safer the truck, the more it has the potential to save you money on your premiums, however.

Some people prefer driving trucks over cars. This personal preference might have to do with off-roading capabilities, the ease of towing, as well as the ability to place large items in the back for hauling.

Whatever your reasoning for choosing what you drive, there are some important questions to ask yourself about the truck that you drive. This will ensure you get the needed insurance coverage.

Some questions include:

  • Is the car driven for pleasure or business?
  • Is it being used for any kind of business purpose?
  • What’s your commuting distance?
  • Is the truck towing a car, boat, trailer, or another high-value item?

Once you answer these, it is easier to communicate your needs to the insurance companies out there. Otherwise, you run the risk of not getting enough coverage. This lack of coverage could cost you when you turn around to file a claim with the car insurance company.

You might need to have additional policies on your truck based on how it is used.

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Renting a Truck

When you’re searching for car insurance for trucks, you also have to look at the potential for renting a truck. You might rent a truck for moving or for hauling larger items.

Any time you rent a truck (or a car), the rental counter is going to try and sell you a temporary insurance policy. This policy is designed to provide protection specifically on the rental that you are getting from them.

Many people get the added insurance because they want to have the coverage. What the rental counters don’t tell you is that you might already have the needed coverage. Your car insurance might give you sufficient coverage for a rental vehicle.

As long as you have liability insurance as required by the state, along with comprehensive coverage, you might be safe. The best way to find out is by calling your insurance company to find out if a rental is covered.

If you even think that you might rent a truck, it’s important to get the coverage on your own policy which will save you a significant amount of money on the cost of the rental, whether it’s for hours or days.

Getting Your Truck Insured

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The cost of getting your truck insured is going to vary based on the car insurance company you choose to go with. This is why getting quotes and making comparisons is so critical.

The factors that go into calculating the cost of coverage include:

  • Year, make, and model of truck
  • Type of coverage you want
  • Zip code
  • Driving record
  • Distance of daily commute

Since insurance companies will use the factors differently when calculating the cost of insurance, you have to look at several different car insurance companies. Otherwise, you could easily spend more than what is necessary on insurance premiums.

The best thing for you to do when searching for car insurance on a truck is to determine how you will use your truck.

You will also know whether or not you need more than a personal car insurance policy to provide you with sufficient coverage through the year.

Compare car insurance quotes today to make sure you’re getting the best rate for the coverage you need when driving a truck.