How to Purchase Farm Truck Insurance

January 27, 2012

When buying farm truck insurance, it's important to know that in most states, insuring farm vehicles with standard auto insurance coverage is optional. "Farm use" status used to mean a vehicle could be used near the farm area without conventional insurance coverage. These days, it's more common for farmers to insure a specific farm truck to limit liability in the case of an accident.

The first step in looking at insuring a farm vehicle is to figure out whether its coverage can be included in either a comprehensive farm liability insurance plan or operation policy, or a set of home use or personal vehicles. A lot of this has to do with how much of the driving is actually for farm use and how much is for errands like going to the store or other places. This can take some figuring out over time. It's also good to know how many miles a farmer expects to put on the vehicle per year for either of these uses.

When a farmer decides it is a good idea to insure a farm truck for conventional road use, the next step is to shop around. Often, starting in one place is as good as starting in another. The goal is to get a variety of price quotes for comparison. One place to start is with Farmer's Insurance Group, (http://www.farmers.com/farmers_insurance.html), a company that has been in operation since the 1920s, insuring vehicles for farmers, and later for the greater consumer base.

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