Not only does truck insurance differ between companies, but the coverage does as well. It may be hard to determine what you need and which insurance company is right for you. It’s important to first know some of the common insurance plans to help you decide which policy will be best for you.

The most common coverage is liability insurance. This is an insurance policy required by your state. Liability insurance protects you if you were to cause an accident, whether injury or property damages occur or not. Another common type of truck insurance is collision insurance. This offers better protection than the liability, and will pay for damage that happens to your truck if you were the one at fault and the one to cause the damage. Another type of coverage to consider is the uninsured or under-insured motorist coverage. It can cost you a lot of money if you are in an accident with someone who doesn’t have insurance, so this policy covers you if something like this was to occur. There is also comprehensive coverage. It pays for damage to your truck when it has not been in an accident but has received damage from incidents such as burglary, hail,, fire or vandalism.

You can also look forward to receiving discounts from your insurance company if you have low mileage on your truck, anti-theft devices or other safety features. When you start shopping for truck insurance, ask your agent what discounts you may qualify for.