Get 3 Car Hauler Insurance Quotes

We know it’s tough for car haulers to shop around for insurance because many truck insurance companies just don’t write these policies. The best way to save money is to shop around, though.

We can help! We have agencies that understand car haulers and will compete for your business.

Find the Best Car Hauler Insurance Company

If you are shopping for car carrier insurance, you have probably already discovered that many truck insurance companies do not even offer car hauler insurance. This is because of the extra liability risks associated with hauling cars. You need to find an insurance company that understands car carriers and can help you meet all the requirements at a competitive price. This is exactly what we do.

Why Use HQ to shop?

• Get Quotes Fast: We have worked hard to take the friction out of getting quotes and our service is the fasted way for truckers to get and compare different options from different insurance companies.

• Free + No Obligations: Take your time to compare quotes and find the best fit for your business.

• Specialized Expertise: Work with agents who have  experience in the car hauling industry, understand the unique risks involved, and can tailor policies specifically to your operational needs and risk profile.

We’ve helped over 100,000 truckers shop for insurance and have earned a 4.9-star rating on TrustPilot. Let us help you save too!

What is Car Hauler Insurance?

Car Hauler Insurance, also called Car Carrier Insurance or Auto Hauler Insurance, is a specialized group of coverages designed for those who transport vehicles commercially. This type of insurance protects both the hauler and the vehicles being transported from potential risks such as accidents, theft, and damage.

Whether you are using an open or enclosed trailer, car hauler insurance ensures that your business is protected while on the road.

How much does Car Hauler Insurance Cost?

On average, car hauler insurance can range from $8,000 to $15,000 annually. Sometimes even more. Perhaps the biggest factor that drives price is the insurance company you choose.

It’s a very inefficient marketplace, with quoted premiums often differing by thousands of dollars for the same Car Hauler! It’s imperative then to shop around and compare quotes from multiple providers to find the best rate for your specific needs.

The cost of car hauler insurance can also vary widely depending on factors such as:

• The type of vehicles being hauled
• The value of your truck and trailer
• Your driving history
• The coverage limits you select
• They number of years you’ve been in business
• Type of business – Hotshot or 18 Wheeler

If you are ready for some quotes, we would love to help! Just click “Get Quotes” above or call us at 843-790-6864.

Auto Hauler Insurance Requirements & Coverages

Car haulers’ insurance is a package of coverages that are designed to protect against loss from the specific risks that auto haulers face. The main parts of the insurance policy are: Liability Insurance, Physical damage Insurance, and Cargo Insurance.

Liability Insurance

This coverage protects auto haulers against claims of bodily injury or property damage that may occur during the operation of the hauling business.  The typical coverage limits range from $750,000 to $1 million, with some carriers offering up to $2 million in coverage. These limits are important to meet both legal requirements and the expectations of customers who want assurance that any damages or injuries caused during transit will be covered.

Physical Damage Insurance

This type of coverage protects the auto hauler’s truck itself. It typically includes collision coverage, which pays for repairs or replacement if the truck is damaged in an accident, and comprehensive coverage, which covers non-collision incidents such as theft, fire, or vandalism.

• Auto Hauler Trailer Insurance – In addition to protecting the truck, it’s essential to also cover the trailer used for hauling vehicles. Auto Hauler Trailer Insurance provides coverage for damages to the trailer resulting from collisions, theft, fire, or other covered incidents. Given the specialized nature of trailers used in auto hauling, this coverage helps mitigate the costs of repairs or replacement if the trailer is damaged or destroyed. Car carrier trailers aren’t cheap!

Cargo Insurance

Cargo insurance is specifically designed to protect the vehicles you are transporting. Given the high value of vehicles, cargo insurance is essential for safeguarding against the financial risks associated with vehicle damage. Even if you haul economy to mid-range cars, the value can easily be $25,000 for each car. Some cars can easily exceed $50,000 in value, and if you are hauling just five of them, that is a total cargo value of $250,000!

Typical coverage limits for cargo insurance range from $100,000 to $500,000, depending on the value of the vehicles being transported. Higher limits can also be arranged for haulers who regularly transport luxury or high-value vehicles to ensure they are adequately protected.

What about Hot Shot Car Hauler Insurance?

A growing trend in car hauling is using a super duty pick up truck and 1,2, or 3 car hauler trailer to transport cars. Hotshots can usually respond quicker to fill shipper needs and sometimes you only need to ship 3 cars. Enter the hotshots!

The most common Hot Shot Car Hauler is looking to for coverage for a 3 Car Hauler Trailer Insurance policy.

Even with the smaller trailer, insurance for hot shot car haulers, is mostly  the same as if you were driving a semi truck. Sadly, though, you will find even fewer companies that are willing to insure a hot shot. We can help here too. Even with less choices, you still want to make sure you are getting choices or you might end up paying thousands extra per year. You don’t need that, especially as you are trying to build a profitable and successful business.

Main Risks Car Hauling Businesses Face

1. Loading and Unloading Incidents

Loading and unloading vehicles are among the riskiest activities for car haulers and is when most damage occurs. Damage during loading or unloading is a common issue.  Improperly secured ramps, unexpected vehicle shifts, and other mishaps can result in costly damage, or even total losses.

You need expertly tailored insurance coverage to protect your business from having to cover these incidents out of pocket. Make sure you fully understand what’s covered and what’s excluded in your policy before purchasing.

2. Damage to New Vehicles is expensive

Transporting new cars adds another layer of complexity and risk, particularly when it comes to protecting the value of new, high-end, vehicles. Even minor damage can reduce a new car’s value, resulting in costly repair bills and a ding on your reputation. Some certain types of damage can result in the car having to be totaled to prevent potential liability issues down the line.

If your policy doesn’t cover the potential for a full loss, you may end up holding the bag.

3. Theft and Vandalism Protection

Brand new vehicles are prime targets for theft and vandalism. Here’s a video where the thief was caught on camera stealing 3 cars off a trailer!  Not all insurance policies provide comprehensive theft protection, so you’ll do well to know exactly what your policy covers and the conditions needed for that coverage to be valid.

How to Get the Cheapest Car Hauler Insurance

First, you need the right coverages. Don’t skimp there. But once you find the right coverages, and the insurance company is reputable, then it makes sense to find the cheapest policy.

The only way to do this is to comparison shop.

For auto haulers, this is hard, but we can help. We specialize in bringing you quotes from different providers so you can do a true comparison. Every agency says they have the best deal, but really, only one can be the true champion. We will bring you agencies to compete, but only one will emerge the victor.

Don’t sleep on getting a good commercial truck insurance policy

If you are in the business of hauling cars, or you are considering getting into the car hauling business, it is imperative that you protect yourself with a car hauler insurance policy that is iron clad. It’s a great niche in the transportation market, and one where you can really distinguish yourself and build a great business and reputation, but it all starts with a good policy.

Otherwise, a single accident or incident could produce such devastating losses, you could easily be driven out of business and lose your livelihood. In fact, the exact terms of the auto transporter insurance you carry is one of the most important components of a successful car hauling business.

Without a policy that protects you from the full loss of an accident and covers you in the case of the cars being stolen or vandalized, you may be dead in the water should there be any mishap.

Ready to save? Get Quotes Here

or give us a call (843) 790-6864