Gift Icon
Get a 20% discount from our partners! Discount code will get added automatically when you submit the form.
Auto Transport Truck on Highway
4.7 Star Rating4.7 (67,926 reviews)
96.3% positive
No Surprises, Just Savings: Verified Carriers, Instant Quotes, and Best Price Guarantee!
You save 20% compared to other companies
Get quotes from trusted carriers, thoroughly vetted and fully insured. Enjoy trackable deliveries, fair pricing, and hassle-free transport from start to finish. Transport any type of vehicle and drive away worry-free.
Customer Images
7790 people shipped using A-1 Auto Transport last week
Scratch-Free Guarantee
Vetted Carriers
Transparent Costs
Customer Ratings By Feature
Value for Money ★★★★★ 4.9
Vehicle Care ★★★★★ 4.9
Fast Delivery ★★★★★ 4.9
Friendly Staff ★★★★★ 4.9
Dave loved the fast deliveryDave C.
Dave loved the fast delivery
My relocation to Chicago was fast, smooth and without any delay thanks to A1 Auto.
Courtney enjoyed the honest guidanceCourtney J.
Courtney enjoyed the honest guidance
Just what you need when trusting someone with your wheels! Kudos to this company!
Jeff enjoyed the fair priceJeff D.
Jeff enjoyed the fair price
Moved my ride hassle-free with these folks.Fair pricing, no surprises. Definitely recommend them!
Maria enjoyed the special care and safetyMaria L.
Maria enjoyed the special care and safety
Huge thanks to the movers – they were meticulous with my car. Love these guys.
Recently featured on USA Today

“A1 Auto Transport became synonymous with top-notch service delivery, unfailing punctuality and constantly preoccupied with customer satisfaction.

See Article— USA Today

Who provides insurance coverage for door to door auto transport?

Published by Joe Webster.

Who provides insurance coverage for door to door auto transport?

Insurance coverage for door to door auto transport is typically provided by the auto transport companies themselves. These companies are legally required to carry liability insurance, which protects your vehicle against damage or theft while it is in their possession. Additionally, some companies may offer optional coverage plans for increased protection. Customers can also purchase supplementary insurance from third-party insurance providers if they feel the need for extra coverage beyond what the transport company offers. It's important for customers to verify the specifics of the insurance policy and ensure it provides adequate protection for their vehicle during transit.

Evaluating Auto Transport Insurance Coverage: Understanding the Basics of Auto Transport Insurance

When you entrust your vehicle to an auto transport company for shipping, understanding the nuances of auto transport insurance is crucial. This type of insurance ensures financial protection for your vehicle during transit, covering potential damages and losses. Here's a detailed look into the basics of transport insurance, its importance, and what it typically includes.

What is Auto Transport Insurance?

Auto transport insurance, a specific type of cargo insurance, is designed to protect your vehicle while it is under the care of a car transport company. Unlike standard car insurance, which covers your vehicle while you are driving, auto transport insurance takes effect when your vehicle is being transported by a carrier. Reputable auto transport companies are required by law to carry liability insurance, which provides a basic level of financial protection against damages that may occur during transport.

Types of Auto Transport Insurance

There are several types of insurance coverage offered in the auto transport industry:

  • Liability Insurance: This is the minimum requirement for all auto transport companies, covering damages caused to your vehicle due to the transporter’s negligence.
  • Cargo Insurance Coverage: This covers damages to your vehicle while in transit. Not all companies automatically include this, so it’s essential to confirm if your carrier's insurance policy provides comprehensive cargo coverage.
  • Comprehensive Insurance Coverage: Some carriers or insurance providers offer comprehensive coverage, which protects against a wider range of incidents, including accidents, theft, and natural disasters.

Understanding Insurance Coverage from Your Auto Insurance Company

Auto Insurance Coverage Consideration:

  • Your existing auto insurance policy may cover your vehicle during transport.
  • Check with your insurer to explore coverage extensions or additional options.

Auto Transport Insurance Requirements and Costs:

  • Costs vary based on coverage type, vehicle value, and transport distance.
  • Every transport service must meet regulatory insurance requirements.

Choosing the Right Insurance Provider:

  • Verify if the transport company partners with reputable insurers.
  • Request and review policy details to understand coverage extent.

The Role of Auto Transport Brokers:

  • Brokers can assist in finding carriers with suitable insurance coverage.
  • They leverage networks to match transport needs with adequate coverage.

Final Thoughts on Choosing a Car Transport Company:

  • Consider insurance coverage quality alongside pricing.
  • Comprehensive cargo insurance ensures peace of mind for your vehicle.

Standard Insurance Coverage in Auto Transport:

  • Standard insurance typically includes liability and limited cargo coverage.
  • Comprehensive insurance offers protection against a wider range of damages.

Understanding Your Auto Insurance Policy:

  • Review your policy to determine existing coverage for transport.
  • Confirm coverage details with your insurance provider.

Choosing the Right Car Shipping Company:

  • Assess insurance coverage options provided by car shipping companies.
  • Opt for transparency and clarity in insurance policy details.

Role of Auto Transport Brokers:

  • Brokers facilitate finding carriers with suitable coverage.
  • Leverage broker expertise for insurance and transport needs alignment.

Commercial Auto Insurance

For those shipping commercial vehicles, commercial auto insurance offers tailored coverage that includes higher liability limits and additional protections suited for commercial use. Ensure the car transport company you choose has appropriate commercial auto insurance if shipping commercial vehicles.

Final Considerations

Choosing the right insurance coverage involves understanding what is included in standard policies and what additional options are available. Ensure that the car transport insurance fulfils your needs and provides adequate protection during the auto transport service. Always verify the extent of the coverage and check if additional policies from your own insurance company or the car shipping company are necessary.

Additional Coverage Options in Auto Transport Insurance: When shipping a vehicle, standard insurance coverage provided by auto transport companies might not cover all potential risks. To address this, many car shipping companies and insurance providers offer additional coverage options. These options ensure enhanced financial protection and peace of mind during the transit of your vehicle. Here’s a breakdown of additional coverage options in auto transport insurance.

Understanding Additional Coverage Options

Standard auto transport insurance typically includes liability insurance and limited cargo insurance. However, these might not be sufficient for all types of vehicles or circumstances. That's where additional coverage options come into play.

Gap Insurance Coverage

Gap insurance is crucial if the vehicle’s value exceeds the coverage limit of the standard policy offered by the auto transport company. This type of insurance covers the difference between the actual value of the vehicle and the maximum coverage amount provided by the standard insurance policy.

Comprehensive Coverage Options

Many reputable auto transport companies offer the option to upgrade to comprehensive insurance coverage. This type of insurance provides broader protection, covering damages from a wide range of potential incidents, including accidents, theft, natural disasters, and vandalism. It's an essential consideration for those transporting luxury, exotic, or vintage cars that require more than standard coverage.

Cargo Insurance Coverage

While basic cargo insurance is often included in standard policies, additional cargo insurance can be purchased to cover the full value of the vehicle. This is particularly important for expensive or rare vehicles where the potential financial loss could be significant.

Insurance for Inoperable Vehicles

Transporting a non-operational vehicle poses additional risks. Special insurance coverage for inoperable vehicles covers these risks, ensuring that any damage incurred during loading and unloading is taken care of.

Deductible Waiver Insurance

Some car transport companies offer a deductible waiver insurance as an add-on. This means that if any claim needs to be made, the owner of the vehicle won’t have to pay the standard deductible under the auto transport insurance policy.

Choosing the Right Insurance Provider

Selecting the right insurance provider involves evaluating the additional coverage options they offer. It’s advisable to work with an auto insurance company or a car transport insurance provider known for dealing fairly with claims and offering comprehensive options.

The Role of Auto Transport Brokers in Insurance

An auto transport broker can be invaluable in navigating the complex landscape of auto transport insurance. They can advise on the best additional coverage options and help find a car transport company that offers the appropriate insurance for your needs.

Cost of Additional Insurance Coverage

While additional coverage can increase the overall auto transport insurance costs, the investment is often justified by the enhanced protection. Costs will vary based on the vehicle’s value, the route, and the specific risks associated with the transport.

Commercial Auto Insurance

For commercial vehicles, standard auto transport insurance might not suffice. Commercial auto insurance designed for fleet vehicles provides tailored coverage that includes higher limits and additional protections suited for commercial operations.

Consulting with Your Own Insurance Company

It’s also worth consulting with your own auto insurance company. Sometimes, your existing car insurance policy might offer extensions or add-ons that are more cost-effective for transporting your vehicle.

Final Considerations

When evaluating additional coverage options, consider the total value of your vehicle, the potential risks during transport, and the level of financial protection you are comfortable with. Always read the fine print of any insurance policy and discuss openly with your chosen auto transport service to ensure there are no gaps in coverage.

The Importance of Comprehensive Coverage in Auto Transport

When choosing an auto transport service, securing comprehensive insurance coverage is paramount to protect your investment. This type of coverage extends beyond the basic liability insurance provided by most auto transport companies, offering extensive financial protection against a wide range of risks. Here’s why comprehensive insurance coverage is essential when transporting vehicles.

What is Comprehensive Insurance Coverage?

Comprehensive insurance coverage in the field of auto transport encompasses more than just the minimal liability or standard cargo insurance. This coverage is designed to address nearly all potential risks that could occur during the transport of a vehicle, including theft, loss, and damages from accidents, natural disasters, and even vandalism.

Coverage Beyond Basic Liability

While all reputable auto transport companies carry liability insurance as required by law, this basic coverage often only protects against damages directly caused by the transporter’s actions or negligence. Comprehensive coverage, however, provides a safety net for a variety of other incidents that liability insurance does not cover.


Mitigating Financial Risks with Comprehensive Coverage

Auto transport insurance costs can vary, but investing in comprehensive coverage can save significant money in the long run. It ensures that the owner is not financially burdened by unforeseen damages or total loss. This coverage is particularly crucial for high-value vehicles where potential losses could be substantial.

Choosing the Right Auto Insurance Company

When selecting comprehensive insurance coverage, it’s crucial to choose a reputable auto insurance company. A trusted insurance provider will offer transparent terms and fair claim processes, making it easier to understand what the comprehensive insurance coverage entails and ensuring that claims are handled professionally and swiftly.

Role of Auto Transport Brokers

Working with an auto transport broker can be beneficial in navigating the complexities of comprehensive insurance. Brokers have in-depth knowledge of the auto transport industry and can help you select an auto transport company that offers robust comprehensive coverage suited to your specific needs.

Requirements and Regulations

The auto transport industry is regulated to ensure that carriers offer adequate insurance protection. Comprehensive insurance coverage often exceeds these basic auto transport insurance requirements, providing peace of mind that your vehicle is fully protected under all conceivable circumstances.

Assessing Auto Transport Insurance Needs

Before finalizing your auto transport service, assess your insurance needs based on the vehicle type, value, and transport distance. This assessment will help determine if additional comprehensive coverage is necessary beyond the standard policy offered by car transport companies.

Commercial Auto Insurance

For businesses transporting commercial vehicles, comprehensive coverage can be part of a broader commercial auto insurance policy, which is tailored to the unique risks associated with commercial fleets and valuable cargo.

Integrating with Your Own Auto Insurance

In some cases, your own auto insurance policy may offer an extension that provides additional coverage during auto transport. It's worth consulting with your own insurance company to see if such options are available and cost-effective.

Final Thoughts on Comprehensive Coverage

Investing in comprehensive insurance coverage through a reputable auto transport company or a dedicated car transport insurance provider is crucial for anyone looking to transport a vehicle safely and securely. This coverage ensures that all potential risks are mitigated, providing vehicle owners with invaluable peace of mind during the transport process.

Understanding the Cost of Auto Transport Insurance

When planning to ship a vehicle, understanding the cost of auto transport insurance is essential for budgeting and ensuring financial protection against potential risks. The insurance cost can vary widely depending on several factors including the type of coverage, the value of the vehicle, and the specifics of the transport service. Here's a comprehensive look at what influences auto transport insurance costs and how to navigate these expenses effectively.

Factors Influencing Auto Transport Insurance Costs

  • Type of Insurance Coverage: The level of insurance coverage significantly impacts the cost. Basic liability insurance, which is mandatory for all auto transport companies, generally costs less than comprehensive insurance coverage that offers protection against a broader range of incidents, such as accidents, theft, and environmental damage.
  • Value of the Vehicle: The more valuable the vehicle, the higher the insurance cost. High-value vehicles such as luxury cars or antiques require higher premiums because they present a higher financial risk in the event of damage or loss.
  • Distance of Transport: The longer the transport distance, the higher the potential risk of damage, which can increase insurance costs. International shipments typically have higher insurance rates due to the extended transit times and increased handling.
  • Type of Transport Service: The mode of transport also affects insurance costs. Enclosed transport offers more protection and is more expensive than open transport, reflecting in the insurance premium.
  • Carrier Insurance vs. Own Insurance: Using the carrier's insurance is often more straightforward but might not always provide the best rates or coverage options. In some cases, extending your own auto insurance to cover transport might be more cost-effective.

Insurance Provider and Policy Terms

Choosing the Right Insurance Provider:

Reputable auto transport companies often partner with trusted insurance firms.

These providers offer tailored policies for various vehicles and transport scenarios.

Review policy details to understand coverage and deductibles.

Cost-Saving Tips:

  • Compare Quotes: Obtain quotes from multiple transport and insurance companies.
  • Customized Coverage: Tailor coverage to match vehicle and transport needs.
  • Negotiate: Discuss deductibles and coverage extent with providers.
  • Check for Discounts: Inquire about available discounts, especially seasonal or customer-based.

Role of Auto Transport Brokers:

Brokers assist in navigating auto transport insurance complexities.

They leverage relationships with carriers and insurers to secure favorable terms.

Regulatory Considerations:

Auto transport industry regulations mandate minimum insurance coverage.

Ensure coverage complies with legal standards and avoids overpayment.

Negotiating Insurance Terms for Auto Transport:

  • Understand Basic Insurance: Liability, cargo, and comprehensive coverage.
  • Assess Needs: Evaluate vehicle value, transport distance, and risk tolerance.
  • Research and Compare: Analyze policies, deductibles, and exclusions.
  • Customize Coverage: Negotiate adjustments to standard policies.
  • Deductibles: Negotiate lower deductibles to manage out-of-pocket costs.
  • Leverage Offers: Utilize competing quotes as negotiation leverage.
  • Auto Transport Broker: Utilize broker expertise to negotiate terms.
  • Discuss Regulations: Ensure coverage meets legal requirements.
  • Discounts: Inquire about available discounts or promotional offers.
  • Confirm in Writing: Document all negotiated terms in a formal agreement.
New Deals are now available for shipping all types vehicles using our vetted reliable shippers. Compare price estimates & Unlock up 25% off.


For door to door auto transport, insurance coverage is typically provided by the auto transport company. It's crucial to review the terms of coverage and inquire about additional insurance options to ensure comprehensive protection for your vehicle during transit. Whether it's a luxury car or a standard vehicle, verifying insurance details beforehand offers peace of mind and safeguards against any unforeseen circumstances. Prioritize reputable transport companies known for their transparent insurance policies, as they prioritize customer satisfaction and ensure a smooth and secure transport experience from pickup to delivery.

Share this content on social media for a chance to get up to 20% off your next shipment.
Copy link

Joe Webster always knew the auto transport industry would be a great career option. And with decades of experience, Joe is now an established consultant for A1 Auto Transport.

Joe was born in Santa Cruz, California. During high school, Joe worked as a mechanic; a job continued to work part-time during his bachelor's degree.

Email Me

Mylene Rutllant
It’s my number one pick in auto shipping to this day.
★★★★★ choice in terms of auto transport has to be A1 Auto Transport. It’s in the name, but also in the quality with which they do their jobs. I’ve never had a problem with this company.

Luis Rodriguez
You have my full support and recommendation!

A1 Auto Transport... From the get go, they were very different from my past options. Their website was very professional and up to date, full of useful information. I requested a quote using their online form, and I got an email response within an hour. Surprisingly fast!

Testimonial by Cristine Benoit
Cristine Benoit
I can safely say this is a legit company that will get the job done.

There are a lot of options for auto transport these days, which surprisingly makes it harder to find a good company. I received more than 10 offers to ship my car, but I couldn’t decide on any of them... Fortunately, I made the right choice with A1 Auto Transport.

David Osallo
We give A1 Auto Transport a big 10 out of 10!

We give A1 Auto Transport a big 10 out of 10! We chose them to move our car from California to Vermont, since we needed professionals.

Visit our social, and see what our clients are saying about us:

Ship Your Vehicle With A-1 Auto Today
Customer Images
7790 people shipped using A-1 Auto Transport last week
Scratch-Free Guarantee
Vetted Carriers
Transparent Costs

Our Partners:

Better Business Bureau Accredited
FMCSA Member
INC. 500 Member
VeriSign Secured
AMSA Member

A-1 Auto Transport is a disclosed agent for the following shipping companies:

CSI Logistics
435 Division Street
Elizabeth, NJ 07201
FMC 22206
Intl Cargo
45 Campus Drive
Edison, NJ 08837
NO. 17858N
Trans Global Auto Logistics, Inc.
3401 E Randol Mill Rd,
Arlington, TX 76011
NO. 018191NF
CFR Rinkens
15501 Texaco Avenue
Paramount, CA 90723
NO. 013055NF
ABC Worldwide LLC
2840 NW 2nd Ave #105
Boca Raton, FL 33431
NO. 025472F
ShipYourCarNow LLC
1160 South Rogers Circle Suite 1
Boca Raton, FL 33487
NO. 025646
Merco Air & Ocean Cargo, Inc.
6 Fir Way
Cooper City, FL 33026
NO. 021869F
Copyright © 1988-2024, A-1 Auto Transport - All Rights Reserved.