Arizona truck insurance quotes are available to anyone with a computer. By simply going online, a truck insurance quote for those based in Arizona can be obtained. Each company will provide their own unique quote based on how risky they feel you and your truck(s) are. Higher risk drivers are charged higher premiums than lower risk drivers. The quote will also vary depending on the scope of coverage you choose.
What kind of options are there?
There are various insurance coverages available for those looking to insure their trucks in Arizona. As with any insurance policy, it’s a good idea to know what you’ll be asking for before requesting a quote online. It just makes the time less frustrating if you know what you want before searching for a full quote. Some of the options to consider include the following options.
1. Physical damage insurance. This insurance, also known as collision coverage, pays to repair and/or replace damaged trucks and truck parts. Options within the physical damage insurance package may include extended towing coverage, downtime coverage, loan coverage, emergency expense reimbursement, truck rental reimbursement, contents coverage, return of deductible, and tarp, chain coverage and riggers.
2. Civil Liability Insurance No Trucks. Also known as bobtail liability insurance, this is limited liability protection for when the vehicle is used for personal or non-work related use.
3. Work Accident Insurance. This provides the owner with a source of compensation for work-related accident injuries.
4. Workers’ compensation insurance. Required by law in most states, it is available to owners who have drivers working for them.
5. Passenger Accident Insurance. This is self explanatory just by reading its title. Passenger accident insurance covers passengers, whether they are family friends who are in the truck at the time of the accident.