Is a Truck Insurance Quote in Fargo Different from a Car Insurance Quote? |
Posted: July 2, 2018 |
You may be planning to buy a truck for hauling, towing or just because you like this kind of vehicle. You’ll want to get a truck insurance quote in Fargo to find out how much your premiums may be. You may think you’ll just put in some basic information and go with the lowest figure. However, you can’t always treat truck insurance the same as car insurance.
What is a Truck?
This may sound like an obvious question, but it’s not quite as simple as you would expect. A truck is a pickup like a Ford F-150 or Ram 1500, but it’s also an SUV. While labeled differently when you’re buying a vehicle, it’s classified the same for insurance and other purposes. However, other trucks which also share that label may be categorized differently for insurance coverage. For instance, a dump truck or tow truck would need more coverage.
Personal or Work?
With a car, you usually have a clear-cut definition for when you’re using it for personal use or for work. A truck may not be so black and white. Since it can be used to tow or haul stuff, you may want to think about how it’s being categorized. For example, you may use your truck to haul cattle to sale. Since you’re claiming your farm as a business, this may be a business expense even though it’s for your own personal property.
Additional Items
You may tow a utility trailer or horse trailer behind your truck, an RV or boat. There’s an increased risk for damage with this extra equipment, not only to other property but to the equipment itself. You may need to purchase more coverage for your truck or even purchase a rider or separate coverage for the other equipment.
Tips on Getting Coverage for Your Truck
Don’t just fill out a form online to get a quote for truck insurance in Fargo. Even though you’ll get a price quote, it may not be what you need. It’s best to contact a truck insurance agency and talk to a person. They will ask about how you plan to use your truck, what equipment will be used with it and other details to determine the right amount of coverage.
A truck can cause a lot of damage and cost a lot to repair. You may need more than the minimum required coverage for North Dakota to protect you and your assets in a claim. This is one reason why a quote may not tell you all you need to know about getting the right amount of coverage for your new truck.
If you’re planning to get a truck in the next few months, start thinking now about how you’ll be using it. Talk to an insurance agent to get an idea of the costs associated with a policy and what you need to know to carry the right amount of coverage for your needs.
FM Insurance provides excellent coverage for auto insurance Fargo area. Excellent rates and great customer service for all home, auto and business/commercial insurance needs.
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