What is the price of car insurance for light cargo vehicles?

The price of auto insurance for light cargo vehicles varies depending on the type of truck being used and the load transported. Check out some quotes made by drivers and companies that use this means of transport.

The transportation of goods in Brazil is basically carried out by land using trucks, which are generally heavy-duty for transport on highways and roads and light-duty for transport in cities and short distances.

These vehicles are constantly exposed to risks such as collisions and theft.

Therefore, having truck insurance helps to minimize these risks and the concerns of truck drivers and companies related to these vehicles.

If you have one or more light cargo vehicles and want to better understand how insurance for this type of vehicle works and the average price charged for it, read this article.

Image: Getty Images

Advertisement

How important is car insurance for light cargo vehicles?

You've probably seen how the rates of truck theft and theft have increased in recent years.

Evidently, these occurrences are more common on the roads, where there is less policing, the distances covered are greater and drivers are often left behind.

However, the number of incidents involving light cargo vehicles, that is, smaller trucks that circulate within cities and on short routes, has also been increasing.

To give you a general idea on the subject, in 2018 alone, around 22 thousand incidents of cargo theft were recorded in the country.

And, concern about this index only increases over time, as more and more of these vehicles are produced and placed on the streets.

Some companies are investing in technologies such as vehicle armoring, special driver training, tracking equipment and a host of other things, aiming to increase the safety of their operations.

However, these alternatives can only be useful in cases of robbery or theft, unlike auto insurance coverage for light cargo vehicles that also offers assistance in situations such as mechanical problems, collisions, fires and a multitude of other accidents.

Understand the concept of light load vehicles

CONTRAN – National Traffic Council establishes some rules to determine the characteristics of each type of vehicle, axle weight and Total Gross Weight (PBT) are the main ones.

In this case, we are going to talk about light load vehicles that are made up of a monocoque, that is, a single part houses the cabin and the body where the load is transported.

It can also be a trailer, in which case it will be articulated with a trailer and another traction unit.

For a vehicle to be considered light it must have a total gross weight – GVW – less than or equal to 3,500 kg, in this case we can mention small trucks, vans and pickup trucks.

The VUC (Urban Cargo Vehicle) is in the light category and must have a maximum width of 2.2 meters and 7.2 meters in length.

Due to their compact size and cargo transport capacity, they are widely used within cities, as long as they do not have their own rules that prevent their circulation, for example, on specific roads or times.

How does truck insurance work?

Truck insurance, whether it is a light or heavy load vehicle, basically works like ordinary car insurance.

Hiring will be based on the insured's profile, whether he is a self-employed professional or a company.

The coverage available for this type of insurance is also practically the same, such as protection against theft, collision, fire, and much more.

The only real difference is the possibility of securing the vehicle's charge.

However, it is important to say that cargo insurance is generally taken out for a specific load and is only valid during the transportation period.

In other words, for each new load the driver makes, a new cargo insurance policy must be taken out.

Another important piece of information to understand how truck insurance works is the quote for this insurance.

Just like in a common car insurance simulation, to calculate truck insurance some questions are asked.

In addition to the questions already mentioned such as the driver's profile, other more specific questions are asked when calculating truck insurance, questions such as:

• If the vehicle belongs to a company or is for your own use;
• Weight of the truck, to determine whether it is a light or heavy load vehicle;
• Type of cargo transported most frequently;
• What is the region where he usually travels most;
• What type of bodywork does it have;
• If there is equipment installed.

What is the average value of truck insurance?

The insurance value for this type of vehicle can vary greatly according to its use, profile of the driver or drivers, location of circulation and cargo transported.

These factors are the most important considerations when setting the price of auto insurance for light cargo vehicles.

However, they are not the only ones to be considered, the model and year of the vehicle are also taken into account, in addition to the coverage to be taken out.

This is why establishing an average value for truck insurance is so complicated.

Furthermore, if the vehicle is part of a fleet, it is possible to obtain auto insurance for light load vehicles, making taking out this protection more accessible due to the number of trucks.

Light Truck Insurance Tables

So that you can get an idea of ​​the values, we have prepared some light cargo truck insurance tables, with examples of prices charged in different regions of the country.

However, it is important to highlight that the best way to know the value for each case is to carry out a simulation.

Check out the truck insurance tables below:

Bongo Kia Motors Truck Insurance Prices

Hyundai HR Truck Insurance Prices

Ford Cargo 816 Truck Insurance Prices

Accelo 1016 Mercedes-Benz Truck Insurance Prices

Agrale truck insurance prices

How to find good car insurance for light cargo vehicles?

To find car insurance for a light load vehicle, you must first find an insurer that offers this type of product, among those that have this option are: Mapfre, Allianz, Porto Seguro, SulAmérica and Suhai.

One way to do this would be to request an online quote on specialized websites that work in partnership with different insurance companies.

When you receive proposals, see which ones offer what you need and talk to a broker to understand your profile and find out if the option you chose is suitable.

Don't forget to do good market research to find out if the insurance company has a reliable reputation and if its customers are satisfied with the service.

A good way to get this information is through the Reclame Aqui website.

To get a good price on insurance, following some tips can help: have tracking and blocking equipment, have an armed escort, always park in safe places and have a good driving record.

By following these tips and having an idea of ​​how much auto insurance for light cargo vehicles costs, it will be easier to find a product that meets your needs and fits your budget.

*Seguroauto.org is not responsible for the values ​​mentioned here, as the price of insurance may vary depending on the profile of each driver.

*This text is editorial content and does not guarantee the sale of this product on this website.