Various Types of Vehicle Insurance

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Things to Remember...
  • Auto insurance coverage is not a one-size-fits-all solution
  • This insurance can range from simple liability to cover damage to other cars in an accident to full comprehensive coverage for damage caused by vandals or storms
  • Motorcycle riders are at greater risk for injury in accidents, and their bikes are more likely to have serious damage if there is an accident

When you’re ready to insure your car, there is more to buying coverage than just calling a company and asking for protection.

You need to choose the right type of coverage for your specific vehicle.

Use this information about different types of auto insurance to find the right coverage for your needs.

Be sure to enter your zip code into the FREE tool above to find and compare quotes easily!

Daily Driver

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Most people need insurance for a daily driver. Even if you also have insurance for an RV, boat or classic car, you’ll still need coverage for the car you drive to work every day.

This insurance can range from simple liability to cover damage to other cars in an accident to full comprehensive coverage for damage caused by vandals or storms.

The amount you pay increases as you add more coverage or reduce your deductible.

Motorcycle Insurance

If you love the feel of the open road on a bike, then you need special protection for your ride. Motorcycle riders are at greater risk for injury in accidents, and their bikes are more likely to have serious damage if there is an accident.

Bikes don’t provide riders with any protection in an accident, so you need to have better insurance.

Consider adding the following to your policy:

  • Accessory coverage protects your bike’s expensive accessories that are likely to be damaged if you take a bad spill.
  • Comprehensive physical damage protects your bike and helps you get it back in top condition after an accident.
  • Collision coverage is important in case you cause the accident.
  • Bodily injury coverage is a must for anyone riding a motorcycle because it takes care of the driver after an accident, and you can also get coverage for your passenger.
  • Medical payments insurance is an option with some companies that don’t offer bodily injury liability coverage.

Motorhome and Travel Trailer Insurance

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If you drive a motorhome, then you know that insurance is required. People who tow trailers often decide to skip dedicated insurance because the trailer is covered by the auto insurance in the event of an accident.

People who tow trailers often decide to skip dedicated insurance because the trailer is covered by the auto insurance in the event of an accident.

If you use the RV on a regular basis, then you need a policy that is more like a homeowners policy than car coverage.

These plans are known as full-time coverage, and they provide you with protection from accidents that can happen in the camper or at the campsite.

If you’re using the RV on a full-time basis and don’t have this protection, the company can deny you coverage.

It’s also important to cover your trailer separately to protect it from damage that can occur while it’s stationary. Roof vent seals can go bad at any time, and this will allow water to invade the structure and seriously damage it.

Without the right protection, you won’t be covered for this damage.

Roof vent seals can go bad at any time, and this will allow water to invade the structure and seriously damage it. Without the right protection, you won’t be covered for this damage.

Even with this protection, the company can deny the claim if they believe that you failed to perform maintenance or allowed a problem to go unchecked.

This is why it’s so important to check roof seals regularly and keep up with all necessary maintenance. Maintain a log showing when maintenance was performed in case you have to file a claim.

You’ll also want to invest in personal effects coverage. Most people travel with valuables, including electronics, jewelry, and other items.

With this coverage, your belongings will be covered in the event of an accident or even theft.

Otherwise, you could be underinsured and find yourself struggling to replace these personal items after an incident.

Towing insurance is vital for motorhomes, so make sure that your policy has you covered. Recreational vehicles are larger and heavier than most other autos on the road, and a large class A motorhome will have to be towed by a special tow truck that can handle semi-trucks.

Recreational vehicles are larger and heavier than most other autos on the road, so a motorhome will have to be towed by a special tow truck that can handle semi-trucks.

This towing bill could be outrageous, but you’ll have the coverage you need if you’ve invested in the right insurance.

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Boat Insurance

When you have a boat, you’re going to need insurance. In addition to accident protection, there are other liabilities you need to be concerned about with boats. As with a motorhome, you should invest in personal property coverage to replace

As with a motorhome, you should invest in personal property coverage to replace wetsuits, fishing equipment and electronics in case of a total loss.

While motorhomes need special towing consideration, boats need special insurance for wreck removal to pay for pulling a boat out of the water should it sink.

Trailer insurance covers the trailer that carries your boat on the road, but there are a few insurance considerations that are unique to boats including:

  • Pollution liability protects you from the legal liability you might face after an accidental oil or fuel spill from your vessel
  • Watersports liability protects your guests when you’re enjoying water skiing, wakeboarding or tubing
  • Towing and assistance coverage provides you with the extra assistance and protection you need if your break down while you’re out on the water
  • Off-season protection is important to protect the structure of your boat while it’s not in the water. Proper winterizing is necessary, and you should have the boat protected with covers or a full garage to satisfy some insurance requirements. As with RV insurance, the company can deny claims if they believe that the vessel was neglected and problems were ignored

Classic Car Coverage

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Your classic car is nothing like your daily driver. If you have a fender bender in a brand new Ford, then finding a new bumper is no problem.

When something happens and you get a ding in the front fender of your Studebaker, finding a replacement part is nearly impossible.

Parts have to be custom fabricated by specialists, and this can become a costly venture.

Classic or exotic cars need special insurance to protect them. They allow you and the insurance company to agree on a value because there are very few comparable sales for determining an accurate value.

The cars are often driven limited miles, and you can customize this with your insurance company to be sure you’re covered for the miles you want to drive.

It’s also important to have the right towing and protection insurance to avoid having your classic GTO towed on a regular truck.

With the right protection plan, you can be confident that your car will be carried on a flatbed truck if it ever needs to be towed.

Making the Right Decision

When you have something special in the garage, you want to make sure it’s protected. The right insurance protects your

The right insurance protects your investment in your motorcycle, RV, boat or classic car, so you can enjoy your ride and know that you’re covered.

Some companies offer this insurance in addition to daily driver coverage, and you may qualify for handsome discounts if you trust the same company with both plans.

However, you may decide that you need something different and want to go with an insurance company that specializes in boats or classic cars.

Take the time to compare rates and look at the different features available with each company before you decide which one to trust with your special ride.

Simply enter your zip code into the above FREE tool to compare car insurance quotes now!

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