April 30, 2011

How Truck Bed Sizes Can Affect Auto Insurance Quotes

Truck bed sizes and capacity can affect auto insurance quotes and truck prices as well as the size of the truck, its towing capacity drive train and fuel type. The short and the long of it when it comes to truck bed sizes is they come in long and short lengths.

Otherwise, truck bed size options vary greatly by cab size, model and manufacturer. Auto insurance quotes are adjusted accordingly by vehicle size, type of use, price and its geographical location.

Auto insurance quotes and rates go up when trucks are used for business as well as pleasure and shopping. Commercial trucks may feature long beds bringing higher insurance liability requirements and rates.

Trucks used for services with long truck bed sizes like plumbing or hauling vans, have the highest auto insurance quotes, followed by trucks with long beds used in the retail trade.

The most expensive category for insurance quotes is commercial trucks with long beds going business to business. Long truck bed sizes start around seven feet in length, but more commonly are eight feet. Since commercial trucks log more miles than passenger vehicles, often travel in tough driving conditions or in heavy traffic and many times work trucks more often, rates increase for coverage.

Long beds are more costly to insure because rates are based on statistical tables privately showing insurance companies which type of vehicles and truck beds are involved in more accidents or claims.

Short beds are more commonly found in passenger trucks. Believe it or not, SUVs also are classified as light trucks rather than passenger vehicles. Short beds are five to six feet in length.

Most drivers can get the job done with small beds. Since this is the most common category with a large pool of insurance premium payers to mitigate insurance company risk, auto insurance quotes may be lower than for the long bed sector.

Truck bed styles, too, come into play when it comes to insurance pay, since size may vary according to taste. Most truck side panels go styleside. However, stepside, flareside and sportside panels feature more unique looks and are put on more expensive trucks.

More expensive vehicles usually translate into more expensive repair and truck body work which usually translates into higher auto insurance rates for passenger, non-commercial use trucks.

When it comes to trucks, the heavier the truck the more vehicle insurance will cost. Actually, lighter weight trucks represent great insurance value since they cost less per pound to insure than passenger cars.

Panel vans, pick-ups, flatbeds, refrigerated trucks, SUVs and parcel vans weighing up to 10,000 pounds are classified as light trucks with lower insurance rates.