Shirley Wenger is a professional journalist and editor who has been working in the publishing industry for more than 15 years. She is an award-winning...Read more

Auto haulers in Utah need specialized coverage to protect themselves and their cargo. Car carrier insurance rates vary depending on your location, how far you drive, and even the types of vehicles that you transport.

Finding trucking insurance in Utah is easy enough. But you’ll most likely discover that car carrier policies are a bit harder to come by. This is because auto haulers typically transport highly valuable cargo, which makes them a much bigger risk to their insurance providers.

The good news is the best provider for your needs and budget is out there. Before you buy, here’s what you need to know about getting the right car carrier insurance in Utah. 

Make Sure Policy Limits Match Your Needs

Utah’s Department of Transportation explains the size regulations for truckers, including semis and truck-trailer combos. Depending on the number of cars you haul and the size of your rig, the level of insurance you need will change.

Paying for the lowest amount of coverage won’t protect you when you need it most. Coverage should not be based solely on price. Insurance needs to be purchased to cover three primary exposures:

  • Damage and injuries you cause to others.
  • Damage and injuries you sustain.
  • Damage to the automobiles you haul. 

Coverage required by government entities and motor carriers will only protect others and your cargo. And the limits required will likely be much less than your actual exposure. Purchase coverage and limits that best protect you and your business. 

Find a Company That Understands Your Risks

Car haulers face unique challenges in the world of commercial trucking. Theft, collisions, and damages to the vehicles you’re carrying can all cost well over $250,000. The right company will be an expert in not just trucking, but auto hauling as well. Independent insurance agents will intimately know your line of work requires. With their assistance, they can help you find insurance companies who provide strong coverages at competitive premiums.  

Look Out for Distance Coverage

Utah trucking insurance isn’t just for your state. Many companies work with shippers that send their drivers across the country. In these instances, you will need nationwide coverage to ensure you’re always protected across state lines.

One of the biggest factors in car carrier insurance rates is the distance you drive. Shorter jobs might be your best call if you want to save on insurance premiums. When you decide to expand, you’ll most likely be required to purchase higher limits and incur higher insurance costs. If your operations may take you across state lines, make your insurance company can grow with you.  

Don’t Forget About Your Other Insurance Needs

Car carrier insurance compensates vehicle owners when you cause damage to their autos. But there are many other forms of coverage an auto hauler should have. Cargo insurance and umbrella policies can help you extend the limits of your car carrier policy, making sure that you’re protected even if damages exceed your coverage limit. 

Medical payments and physical damage coverage protects you when another driver is at-fault. Uninsured and underinsured motorist coverage can protect your property, your cargo, and any injuries you sustain when the other party lacks sufficient coverage.

Trucking insurance needs change often, so you need an insurance company that can quickly make the changes you need to keep hauling. You should always feel like you’re the one in control of your policy. The better you and your agent understand your own needs, the easier it is to find the perfect insurance provider. 

Shirley Wenger is a professional journalist and editor who has been working in the publishing industry for more than 15 years. She is an award-winning writer and her work has been featured in various publications, including The New York Times, The Wall Street Journal, and Time Magazine.

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