What Types Of Vehicles Do Car Insurance Companies Cover?
Some car insurance companies are not just for auto insurance. You can find insurance for many different types of vehicles and watercraft. Most vehicles can be covered with standard auto policies. You may find though that you need a classic car insurance policy for your classic car. Regular policies do not cover them at the amount the sell for when refurbished but rather the amount that they consider them worth.
Your insurance company may also cover recreational vehicles. Items such as motor homes, ATV’s sand rails and golf carts would fall into this category. In many states you are not required to have insurance on recreational vehicles but it will be extremely helpful in repairing one should you ever get into an off road accident.
Watercraft is a whole other ball game. Your insurance company may or may not deal in watercraft. Is it really considered a vehicle anyway?
Motorcycles and scooters are also in another vehicle category. Many just auto insurance companies will not insure motorcycles because of the increased risk of riding one. In many states there are different rules for motorcycles and the excessive weaving through traffic that is done may drive a motorcycle premium through the roof.
No matter what type of vehicle you have, you should be able to find one company that can take them all. This will benefit you when it comes time to pay the premium. Most insurance companies offer discounts for multiple vehicles as well as multiple policies. If you are a collector of vehicles, off road or classic then you will find this will save you a lot of money over the long run.