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Delivery drivers who use their own vehicle may not have enough coverage to be protected while they work. Drivers who need Hungry Howie’s Pizza auto insurance should seriously consider adding food delivery auto insurance to their current policy.
Some of the best companies for auto insurance offer affordable rates on insurance for food delivery services. The following article will examine the best ways to buy food delivery auto insurance.
You can start comparing Hungry Howie’s Pizza auto insurance quotes by entering your ZIP code into our free tool.
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If you only have a personal insurance policy you may not be adequately covered if you get in an accident while on the job. Insurance companies may choose to deny claims for drivers trying to use a personal policy while working.
Insurance companies view delivery driving as an added risk and require additional insurance to cover that risk. Pizza delivery drivers, in particular, are viewed as one of the riskier occupations to insure.
If you deliver pizza for Hungry Howies, don’t rely on your personal policy for protection. Instead, you should consider purchasing food delivery auto insurance.
There are two main types of policies that drivers use for food delivery car insurance. Drivers can opt to purchase a business use addition for existing policies. However, many auto insurance companies will not allow pizza delivery drivers to buy this type of policy because of the occupational risks involved.
Instead, many drivers who need affordable food delivery auto insurance will choose to purchase a commercial auto insurance policy. Commercial auto insurance policies can be purchased by businesses or individuals.
A commercial auto insurance policy is often easier for food delivery drivers to get than a business use addition. Many employers extend commercial auto insurance coverage to employees using personal vehicles. The Insurance Information Institute has more details about insuring vehicles for a business.
Commercial auto insurance policy costs can vary depending on your vehicle type, driving habits, driving history, location, and age, among other things.
Buying a commercial insurance policy is fairly inexpensive and can protect you against major financial losses that could occur if you get in an accident while working. The table below illustrates the average minimum and maximum annual costs for commercial auto insurance by vehicle type.
| Car Type | Minimum Annual Commercial Auto Insurance Rates | Maximum Annual Commercial Auto Insurance Rates |
|---|---|---|
| Car | $600 | $2,400 |
| Semi | $8,000 | $12,500 |
| Cargo/Delivery Van | $3,300 | $6,200 |
| Limo | $4,000 | $6,000 |
| Cab | $5,000 | $10,000 |
Most delivery drivers for Hungry Howie’s pizza will drive their own personal car. This puts them at the lower end of average annual costs for food delivery auto insurance when compared to other types of commercial vehicles. You cab buy Hungry Howie’s pizza delivery auto insurance from some personal insurance companies and save.
Not having enough or the right type of auto insurance could prove to be financially disastrous. If you don’t carry enough insurance you could be forced to pay out of pocket for any damage you cause in an accident. Make sure you’re covered while driving for work and buy insurance for food delivery service drivers.
You can compare Hungry Howie’s pizza auto insurance rates today by using our free quote tool. Get started today.
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