Freeway offers help finding the right type of policy for your truck. We do the research for you and offer you several options to choose from, including state minimum liability, full coverage and more.
Full coverage is an optional policy that includes comprehensive and collision, all first-party benefits that protect you financially in crashes and damages due to things outside of your control, such as theft, vandalism, and falling objects, regardless of who is at fault.
Full coverage costs more than a liability-only policy by several hundred dollars a year.
Note: full coverage does not include optional coverages, such as rental car reimbursement, loan/lease payoff coverage, roadside assistance, and medical payments coverage.
State Minimum Liability
Drivers must carry a minimum state liability policy, which offers third-party benefits for bodily injury and property damage.
Every state has its own distinct liability requirements. For example, all Louisiana drivers must carry $15,000 for bodily injury (per person), $30,000 for bodily injury (per accident), and $25,000 for property damage.
No-fault states, such as Minnesota, mandate drivers to carry liability in the amounts of 30/60/10, plus 25/50 in uninsured, 25/50 in underinsured and 40 in Personal Injury Protection (PIP).
We recommend full coverage over a state minimum liability policy whenever possible. Although it costs several hundred dollars more per year, you gain additional benefits such as collision and comprehensive insurance.