It’s important to have the right insurance coverage for yourself, your vehicle, and others any time you’re driving. American Auto Insurance provides a wide range of options so you can get the perfect plan for your personal needs. If you’re driving a truck or towing a trailer, you need to make sure that all these assets have the proper protection. American Auto Insurance can help you insure anything you might take on the road.

Truck Insurance Coverage

A black Chevy truck near the water, about to be insured in Illinois.

Truck insurance for a personal pickup truck is similar to car insurance. If you’re in the process of purchasing a new pickup, you should consult with your insurance provider about your best options to see what you’ll pay to insure each of these vehicles. It’s important to consider these ongoing expenses when you buy a new vehicle to ensure you can afford all your monthly payments and not just those for your truck loan.

What Does Truck Insurance Cost?

Every insurance plan is different, so you should always get an exact quote from your insurance company. Insurance providers consider the make, model, and year of the vehicle as well as your driving history, driving habits, and residential location.

Collision coverage for a truck may be pricier than for a car if you’ve purchased an expensive specialty vehicle with equally expensive replacement parts. Insurance providers consider what it will cost to repair your vehicle after an accident when they provide a truck insurance quote. Other features may lower your insurance payments. For instance, if your truck comes equipped with driver-assistance technology and top-notch safety features, your insurance premium may be lower as a result.

What Type of Truck Insurance Do I Need?

Many people use their trucks for more than just their regular commute. Your pickup truck can help with essential tasks, from home improvement jobs to facilitating work on the road. That’s why it’s often better to go above and beyond the state minimum coverage for your vehicle. While Illinois only requires liability coverage for your truck, you may want to add additional coverage such as:

  • Uninsured and underinsured motorist coverage: If you’re hit by a driver who isn’t carrying state-mandated liability insurance, you may not get the payment you need to cover your medical bills or truck repairs. Uninsured and underinsured motorist coverage will kick in and help you manage these expenses.
  • Comprehensive coverage: Comprehensive coverage pays for damage to your truck from things such as vandalism, theft, inclement weather, falling objects, and more. This is a valuable addition if you have a pricey truck to cover.
  • Collision coverage: Collision coverage pays for damage to your truck if you hit another vehicle or an object such as a tree or fence. This is another important inclusion if you want to make sure you can always afford the necessary repairs to keep your truck in good condition.

Trailer Insurance Coverage

In the state of Illinois, you don’t need separate insurance coverage for trailers. This includes:

  • Conventional trailers.
  • Travel trailers.
  • Fifth-wheel trailers.
  • Pop-up campers.
  • Cargo trailers.
  • Horse trailers.
  • Toy haulers.

This means that you won’t violate the law if you don’t add any extra insurance for the sake of your trailer. However, you should still consider whether your current coverage provides adequate protection. 

What Insurance Do I Need for My Trailer?

The insurance that you carry for the vehicle hauling your trailer will typically extend to covering the trailer itself. Illinois only requires liability insurance. This pays for the other driver if you’re at fault in an accident, but it doesn’t pay for your vehicle and trailer.

If you want to make sure your trailer is well-covered, you should consult with your insurance agent to discuss additional coverage options. As mentioned above, uninsured and underinsured motorist coverage, comprehensive coverage, and collision coverage will give you greater protection. If you took out a loan for your trailer and you’re still paying it off, your loan provider may require additional insurance coverage as well.

Is My Trailer Covered in My Yard?

It’s important to consider your trailer’s needs both when it’s hooked up to your vehicle and when it’s in storage. Minimum liability coverage does nothing for your trailer if it suffers from falling branches or hail while parked in your yard. Talk to your insurance agent about setting up a separate insurance plan to cover your trailer individually.

RV Insurance Coverage

If your RV is self-powered, it must have its own auto insurance. This applies to all Class A, Class B, and Class C motorhomes. Your RV needs to meet the same minimum liability requirements as all other vehicles in the state, which include:

  • $25,000 of bodily injury protection per person.
  • $50,000 of total bodily injury coverage per accident.
  • $20,000 of property damage coverage per accident.

As with any vehicle, it’s often wise to consider additional coverage as well.

What Coverage Should I Add for My RV?

If you’re financing your RV, you’ll need to add additional coverage to meet your lender’s requirements. This usually includes comprehensive coverage to protect your RV from theft, vandalism, or natural disasters, and collision coverage to help pay for repairs if you collide with another vehicle or object.

If you live in your RV for a significant portion of the year, you may want to consider additional protections such as:

  • Personal liability coverage: This covers damages and accidents that occur when your RV is parked.
  • Replacement cost/personal effects: This reimburses you for items in the RV such as hunting gear, laptops, or cameras.
  • Emergency expenses: This insurance will help pay for travel expenses and hotel costs if your RV is damaged when you’re more than 50 miles from home.

Customize Your Coverage

Every vehicle is unique, just like its driver. American Auto Insurance helps Illinoisans through every step of the auto insurance process, from finding a plan to securing an SR-22 certificate when necessary. We can answer questions about deductibles, insurance options, payment schedules, and more. Call us now to find the best auto insurance plan for your truck, trailer, or RV.

black chevrolet single cab pickup truck on gray sand during daytime by Jonathan Cooper is licensed with Unsplash License 


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