Owning vehicles for work purposes can be a necessity of the job or just a convenience factor. Regardless of the reasons for purchasing the work truck or van, it’s important you make sure to have it properly insured before putting it on the road.
If you have your own vehicle for personal use, then you’re very familiar with the types of insurance offered, but when shopping around for insurance on a work vehicle you’ll want to consider a different list of priorities and factors. Here’s a list of things to keep in mind that will help you find the best insurance for your work vehicle.
How Will You Use the Vehicle?
Before you start looking around at different policies and coverages, it’s important to determine how you plan to use the work truck or van. This includes such aspects as how often the vehicle will be used. By doing this you will narrow down the number of plans that will work for your needs.
Insuring the vehicle is only half the battle, you also have to make sure it’s ready for the road – as in the safety of the vehicle. If the truck needs retrofitting and/or repairs, then you’ll want to be sure to pick a place that specializes in your particular industry. For example, Satellite VacuumXpress can help rebuild trucks that carry tanks and make sure they are safe, effective, and up to standards.
Just with any important purchase you make in life, comparison shopping is a great thing to do. You want to start getting an idea of pricing, what’s included in the coverage, any of the “fine print”, and the deductible. Because you’ll probably look at a few different companies, it’s a good idea to create a spreadsheet of the information. Once you finish your comparison shopping you can then go back to the spreadsheet and refresh your memory.
Do You Need Special Coverage?
A work truck or van could be used for any number of things but if it will be carrying special equipment, materials, and hazardous materials, you will most likely need extended coverage. This is something you can speak to the insurance rep about.
Work with a Broker
Here’s a whole other approach to finding the best insurance. Instead of you doing the legwork and all the research you can instead work with an insurance broker. They will know exactly what kind of coverage you’ll need, where to find the best pricing, and which companies are reputable. They know the right questions to ask and all the lingo inside the policies themselves. This can certainly help to improve the speed of the process.
You’re All Ready to Sign
Once you follow these steps and come to a decision you feel comfortable and confident in, you’ll be ready to sign those papers and have your work truck or van properly and completely covered through insurance. Because this process can take a little bit of time, the faster you start it, the faster your vehicles will be on the road.