How does having a work truck affect my car insurance?

When you purchase a truck, your insurance agent will end up asking you several questions about its intended use. They need to do this to determine what the appropriate insurance for you is. If you were just using it to get from point A to B, your policy will be cheaper. However, use as a work truck will increase the cost of your insurance. This is because a work truck will be used in a harsher manner and will clock in a lot more miles than a regular use truck.