1. Understand the Specifics:
* Vehicle Type: Is it a commercial car hauler (used for transporting vehicles for profit) or a personal car hauler? This impacts the insurance needs.
* Living Quarters: What features are included (kitchen, bathroom, sleeping area)? Are they permanently attached, or can they be removed?
* Vehicle Size and Weight: This factors into the risk assessment.
* Usage: How frequently will you be using the vehicle for hauling? What types of vehicles will you be transporting?
2. Specialized Insurance:
* Commercial Auto Insurance: If you're using the car hauler for business, commercial auto insurance is essential.
* RV Insurance: The living quarters might be covered under an RV policy, especially if they are fully equipped.
* Combined Policies: Look for insurance companies that offer combined policies for both commercial auto and RV coverage.
3. Finding Insurance Providers:
* Specialized Insurance Brokers: Brokers who specialize in commercial vehicles, RVs, and niche vehicles are good starting points. They have access to a wider range of insurers.
* Major Insurance Companies: Larger insurers may have specialized departments for commercial vehicles or RVs.
* Online Insurance Comparison Websites: These sites can help you compare quotes from multiple providers.
4. Key Coverage Considerations:
* Liability Coverage: This protects you against claims from others if you are involved in an accident.
* Cargo Coverage: This covers the value of the vehicles you are transporting.
* Physical Damage Coverage: This covers damage to your car hauler, including the living quarters.
* Uninsured/Underinsured Motorist Coverage: Protects you in case you're involved in an accident with a driver without adequate insurance.
5. Tips for Finding the Right Insurance:
* Be Transparent: Be upfront about the vehicle's use and features when you contact insurers.
* Get Quotes: Compare quotes from multiple providers.
* Read Policy Details: Carefully review the policy language to understand the coverage and exclusions.
* Ask Questions: Don't hesitate to clarify any aspects you don't understand.
Important Note: Finding the right insurance for a unique vehicle like a car hauler with living quarters requires working with specialized providers. Don't settle for a standard auto policy.
