Whether you use a small utility trailer to help your children move off to college in Phoenix or you transport goods daily from Sedona to Flagstaff in your tractor-trailer, protecting your trailer and the items it carries is important. Only a good trailer insurance policy can protect you from the risks that Arizona streets and highways pose. Before you search for trailer insurance, however, there are several factors to consider.
These are some Arizona facts, according to statistical analysts:
Although some Arizona vehicle insurance policies extend to small utility trailers that you haul with your car or truck, the coverage on these policies is usually very limited. Any damage to the trailer itself may be covered, but any items in the trailer may not be covered. It's a good idea to carefully review your current policy to find out if you need additional coverage.
For large flatbed trailers and tractor-trailers, you may need to secure a separate policy in order to fully protect them against damage, theft and vandalism.
Not only does a trailer insurance policy help pay for repairs to put your trailer back on the road, but it can also be quite helpful should someone sue you because your trailer became unhitched and crashed into another motorist or that motorist's property.
One need only watch traffic on any given Arizona street or highway to know that trailers come in all shapes and sizes. If you must register your trailer with the Arizona Department of Motor Vehicles, chances are very likely that you can find an insurance policy to cover it. Unless it is a homemade trailer, you should be able to secure insurance on the following types:
There are some circumstances where trailer insurance is required by AZ law, but they are limited to the following:
Tractor-trailers must carry these minimum amounts of insurance coverage in AZ:
Remember, however, that these are the minimum requirements and you may determine your trailer needs additional insurance protections.
Arizona insurance companies offer trailer insurance policies that are comparable to car insurance. You will be able to set limits on all of the following types of coverage options:
There are so many types, sizes and values of trailers that it is impossible to determine average quotes for trailer insurance. Most Arizona insurance providers take several factors into account when calculating your trailer insurance quotes, including these:
Smaller, less expensive trailers will receive lower quotes than large, high-value trailers. Also, if you are transporting livestock, quotes will be higher for you than for someone hauling scrap. Those drivers with claims-free driving histories and no traffic violations will receive lower quotes than someone who has been involved in several accidents and has a history of tickets.
Be sure to ask your insurance agent if you would qualify for any insurance discounts by bundling your trailer policy with your car insurance.
You don't want to find out that your vehicle's insurance policy doesn't cover your trailer after you have an accident. Knowledgeable, independent insurance agents in the Trusted Choice® network are always available to answer questions, suggest coverage options for your trailer and even assist you in filing a claim.
Contact a Trusted Choice agent near you to find out how you can obtain a trailer insurance policy that meets your needs and budget.