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

  • What are the 2020 Ford Super Duty Engines?

    Slated for release in the fall of 2019, the 2020 Ford Super Duty pickup trucks and chassis cabs promise three heavy-duty engines (one of which is brand-new) and a 10-speed transmission. Needless to say, there’s plenty for Chicago drivers to look forward to. So, what are the 2020 Ford Super Duty engines and what makes…

  • 2020 Chevrolet Silverado HD Towing Capacity

    The 2020 Chevrolet Silverado HD towing capacity ranges from 14,200 pounds to 35,500 pounds, depending on the engine and configuration. This new Chevy truck is as capable as they come, offering two engine options and a string of features to enhance towing performance. Learn more about the 2020 Silverado 2500 towing capacity and 3500 towing…

  • What are the 2019 Ford F-150 Bed Sizes?

    Offered in multiple configurations, the 2019 Ford F-150 is one of the most flexible light-duty pickup trucks on the market. So, what sort of body customization options are available? The Ford F-150 bed sizes and cab sizes are hot topics among Chicago shoppers. Read on to learn more about the new Ford F-150 truck’s spacious…

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
[schema type="organization" orgtype="LocalBusiness" url="www.badgertruck.com" name="Badger Truck & Auto Group" description="" street="" city="Milwaukee" state="WI" postalcode="" country="United States" email="marketing@badgertruck.com" phone="(414) 344-9500" logo="https://di-uploads-pod14.dealerinspire.com/badgertruckcenter/uploads/2019/04/BadgerTruckAutoGroupOGImage.png"]
Badger Truck & Auto Group
Badger Truck & Auto Group
Milwaukee, WI, United States
(414) 344-9500
https://di-uploads-pod14.dealerinspire.com/badgertruckcenter/uploads/2019/04/BadgerTruckAutoGroupOGImage.png
Badger Truck & Auto Group , .