Key Takeaways
Cars, SUVs, Pickup Trucks, and Minivans Go Under "Private Passenger"
This is the default selection when adding a vehicle to your policy. It covers personal use like commuting, errands, and leisure driving.
Motorcycles, ATVs, RVs, Boats, and Other Specialty Vehicles Need a Different Selection
Choose the specific vehicle type from the drop-down list when adding it to your policy. Some types, like snowmobiles, classic cars, or mobile homes, may require a separate policy or agent assistance.
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To add a vehicle to your policy, you’ll need to specify what type it is.
Types of Vehicles
Most likely, you’re adding a “private passenger vehicle” (car, SUV, pickup truck, or minivan) for your own personal use (e.g., commuting to work or school, running errands, or leisure). When you add or remove a vehicle, the default selection for the Vehicle Type question will be "Private Passenger" because this is the most common scenario. If you are adding a different type of vehicle (such as a motorcycle, ATV, RV, trailer, mobile home, boat, personal watercraft, snowmobile, commercial auto, or antique/classic/collector car), select that vehicle type from the drop-down list. Some vehicle types will require assistance from an agent or a different type of insurance policy.
Vehicles for Business Use
In the case of a private passenger vehicle (car, SUV, pickup truck, or van) that will be used for business purposes (some examples below), you may need commercial auto insurance.
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Commercial auto insurance is often used by:
- Electricians, plumbers, and HVAC professionals
- Carpenters, painters, and other contractors
- Landscapers and plow services
- Caterers and food vendors
- Other business types, like real estate and sales
You can learn more about commercial auto insurance, get a quote, and start a policy here. If you have questions, chat with us.
Adding any type of vehicle that will be used for a ridesharing or delivery services like Uber, Lyft, Amazon Flex or Grubhub will require rideshare insurance. You can learn more about rideshare insurance by calling (800) 207-7847.
Check out other useful tips about adding vehicles here.