Need to Insure Your Van? Here’s All You Need to Know
Having a van is great for so many reasons. They are stylish, comfortable, and spacious. They don’t have the stigma of a large truck and can still carry a lot. It’s typically not too hard to add some extra shelves or storage on the inside of your van if you need more room for tools, groceries, or whatever else you might need with you on your trip.
With having such a nice vehicle, there are some things that you need to know in order to properly insure your van.
1. Choosing A Provider
The first thing that you need to do in order to insure your van is to choose a provider. You can either go with a well-known company, or you could go with a smaller company that only deals with vans and commercial vehicles. The choice is up to you, but it’s important to consider cost and coverage.
Since Insurance costs can depend on various factors, not every company will give you the same quote. It is important to compare commercial van insurance providers so that you can find the best policy for your van. Remember to check customer reviews so you can get a better understanding of what sort of services the provider offers.
While the cost is the number one factor, don’t forget to look at the coverage. This is the most important feature to look at when purchasing commercial van insurance because you don’t want to be underinsured.
2. Know Your Van
Another thing that you need to know in order to insure your van is the type of van that you have. If it is not listed on their list of vehicles, make sure to call them and ask before making a purchase. They will be able to tell you if they provide insurance for your specific vehicle or not.
If you are looking to save money on your van insurance, remember to stick with the basics. Don’t put any extra features onto your van that aren’t considered standard. In a way, this is similar to buying a house – you don’t want to add in an expensive feature, like a pool in the backyard. This is because you will end up paying more for these “extras” that are not needed.
However, if you think an extra feature could help lower your rate, call and ask them. Remember that they want to make you as a customer happy and if showing off an extra feature will make the sale, it’s something they will consider and possibly offer.
3. Have Your Papers In Order
The company will likely need a copy of your registration, as well as a copy of your VIN (this can be found on the dashboard). If you bought the used van and it still has its original license plate and registration, then they may require a copy of this as well.
Dealing with paperwork may seem like a daunting task, but it is important that you keep all of your paperwork in order. If you keep all your papers together in one place and show it to the agency when you need to, you’ll save yourself from a lot of stress and you should not have any issues with the provider. You want to make the process of getting insured as easy and quick for yourself as possible.
If you happen to lose these papers or they are destroyed, don’t worry – most companies will be able to look them up with the VIN number. If this is something that was done years ago and you can’t find those papers, just call the company and ask if they can still give you a quote with you not having those documents.
4. Know What Coverages You Need
When buying commercial van insurance, it is important to know what coverage options are available to you. While you can check out online, you may want to speak with an insurance professional. By speaking with them, you will get a better understanding of what coverage options are available and which ones would be best for you.
There are some coverages that every commercial van needs – liability is one of these. This covers the cost of injuries or property damage if you are at fault, while uninsured coverage is another important one. This helps protect you in case the other driver has no insurance or if what they have is not enough to cover what you need.
Another important coverage you should look at is underinsured coverage. Paying for injuries and property damage can be expensive, especially if it is a major accident. With the right amount of underinsured coverage, you would not have to pay as much money on your own.
5. Know Your Driving Records
Before you can purchase commercial van insurance you will need to know your driving records. This is something that should be taken care of before you go out and buy your insurance because if there are any accidents or tickets on your record, then you could end up paying more in the long run.
If, however, you do find out you have some accidents or tickets on your record and you would like to still purchase van insurance, make sure to call and speak with the company. They could help you get a much better rate by switching your coverage options or raising your deductible. You may even be able to get away with purchasing coverage without having the accidents on your record.
Even though it can be stressful, you want to make sure that you think about every possibility before making a decision. By doing this, you will be able to figure out whether or not something should stay on your record and if it should, how it should affect your insurance coverage.