Badger Truck & Auto Group

Search Anything...

- or select -

Commercial Auto Insurance vs. Personal Auto Insurance

2019 Ford Super Duty XL SuperCab
If you own a small business or work extra jobs on the side, you may be wondering, “What’s the difference between personal and commercial auto insurance?” Whether you’re commuting to work, traveling between job sites in Chicago, or seeking coverage for a heavy-duty new vehicle, it’s important to know your options. Compare commercial auto insurance vs. personal auto insurance below to learn more!


Personal vs. Commercial Auto Coverage: How Do They Differ?

The most notable difference between personal and commercial auto insurance is the liabilities they cover. Both types of coverage cover accidents, however, commercial insurance typically covers higher claims. Commercial and personal auto insurance policies don’t cover the same types of vehicles; commercial insurance covers vehicles like semi-trucks, dump trucks, commercial pickup trucks, and more. Additionally, insurance for work vehicles usually involves more legalities than personal car insurance.

Paperwork

Which Insurance Policy is Right for Me?

Before you make a decision, ask yourself the following questions:

  • Who’s the owner of the vehicle? If you own the vehicle, a personal auto insurance policy may be right for you. If your work vehicle is owned by a business, a commercial insurance policy is the better choice.
  • What’s the vehicle used for? If the vehicle is used solely for business operations, a commercial insurance policy makes sense. However, if you’re a sole proprietor and use your vehicle to travel to a couple of jobs a day, or you use it to get to and from work, a personal auto insurance plan should suffice.
  • How much does the vehicle weight and what’s the body style? Commercial insurance coverage is the better choice for larger vehicles, such as full-size pickups and SUVs used for business purposes, semi-trucks, tow trucks, etc. Personal auto insurance covers your everyday passenger vehicles like sedans and compact SUVs.
  • What are the required business liability limits? If your business demands higher liability limits, you’ll need a commercial auto insurance policy. Liability limits for personal auto insurance policies are much lower.

Learn More About Buying a Commercial Vehicle with Badger Truck & Auto Group!

Do you have additional questions about commercial vs. personal auto insurance cost, coverage, or restrictions? Contact us at Badger Truck & Auto Group or visit us near Madison and Green Bay! We can also answer any questions you may have about commercial vehicles, such as “How much can a dump truck carry,” or “How do I tie down a load on a flatbed?”


More From Badger Truck & Auto Group

  • Introducing the 2021 Ford Mustang Mach-E Electric SUV

    If you appreciate the spirit of the original Ford Mustang, then you’re sure to love the all-new, all-electric Ford Mustang Mach-E SUV. This potent and striking vehicle is perfect for the efficiency-conscious drivers who refuse to sacrifice on style or performance. We’ll teach you everything you need to know about the 2021 Ford Mustang Mach-E…

  • Exploring the 2020 Ford Ranger Bed Dimensions

    Does the new Ford midsize truck have the specs you need to complete tough jobs near Chicago? Precise 2020 Ford Ranger bed dimensions will vary depending on the cab that you select, but your friends at Badger Truck & Auto Group have broken down everything you need to know! View ford Truck Inventory Contact Us 2020 Ranger Bed Size:…

  • 2020 Ford Super Duty Colors and Exterior Options

    The 2020 Ford Super Duty has no trouble standing out on highways and job sites near Madison. However, if you really want a model that reflects your unique style, you’ll need to know the 2020 Ford Super Duty colors and exterior options. For this year, the new Super Duty lineup is offering even more pathways…

Saved
Saved Vehicles ×

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact
Contact Us ×

(414) 344-9500

Call Now

• Milwaukee, WI

Get Directions

Badger Truck & Auto Group

Milwaukee, WI

Phone: (414) 344-9500

http://maps.google.com/?q=2326%20W%20Saint%20Paul%20Avenue%2C%20Milwaukee%2C%20WI%205
Badger Truck & Auto Group , .