Get the best truck insurance quotes in Canada

The answer lies in your own insurance policy. For one, you want to make sure your personal car insurance covers rental cars. If so, you can likely forego the rental car insurance, though we recommend calling  your provider to confirm before foregoing.

If you don't have rental car insurance, your credit card may protect you, but only if you damage the car, not if you injure someone or yourself. If you're moving, and don't have tenant's insurance, or a home insurance policy, get the personal contents insurance. Otherwise, your stuff isn't protected. 

The easy answer is to say on average, yes. Unfortunately, there is no simple answer. On the one hand, due to the vehicle’s size, passengers in a truck may be less likely to be injured in an accident. Also because trucks are typically driven by an older demographic, they take fewer risks.

However, trucks could, in theory, cause more property damage than small cars. But, maybe truck drivers report fewer claims due to their trucks resiliency to damage. 

Some trucks are also far more likely to be the target of thieves. In fact, every year trucks consistently make the list of the top 10 stolen cars in Canada (Ford F350, and its iterations, make up most of the list)

Overall, the same rules that exist to determine standard car insurance premiums apply to trucks.

Your truck insurance premium is based on the following:

• make/model/year of the vehicle
• Your demographic (young drivers typically pay more)
• how you intend to use it (work, commute, pleasure)
• your own personal driving record (accidents vs. claims-free)
• the amount of coverage you wish to add
• Your location (including where you park)
• the dollar amount of your deductibles