Godfather’s Pizza Car Insurance: What to Know & How to Save (2021)
Before your first day as a delivery driver for Godfather's Pizza, it's important to research Godfather's Pizza car insurance options. Personal car insurance won't cover you if you get into an accident while on the clock. Instead, you need to get a commercial car insurance policy. There are several types of delivery driver insurance available, from whole policies to add-ons to your personal policy.
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UPDATED: Feb 24, 2021
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- When delivering pizza for Godfather’s, you need to have a separate commercial insurance policy
- Personal car insurance policy does not extend to cover you while using your car for work
- There are several types of commercial car insurance available
If you are thinking about taking on a side job delivering pizza for Godfather’s Pizza, ask yourself this; do you have Godfather’s Pizza car insurance?
While Godfather’s Pizza doesn’t offer delivery driver insurance, you will need special insurance to keep your car covered while working for them or any other food delivery company, because your standard personal car insurance is unlikely to remain valid if you are using your car for work.
Instead, you will need to look at the best insurance companies to find a different policy type to keep you covered.
Are you going to need some new pizza delivery insurance? Enter your ZIP code above and find affordable car insurance rates near you.
What type of car insurance do I need when delivering for Godfather’s Pizza?
Since you are using your vehicle as a pizza delivery car when you work for Godfather’s Pizza, it is no longer just a personal car. It will require that additional coverage should you get into an accident.
Instead, what you will need is called commercial car insurance.
Without it, you will find yourself on the hook for easily thousands of dollars of damage.
Car accidents are a serious concern for pizza delivery drivers and are a major reason you need delivery driver insurance.
According to the III, speed is a consistent factor in major car accidents, and pizza delivery drivers are often put into positions where they feel the need to speed to get their pizza to its destination on time.
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How much does commercial car insurance cost?
There are many factors involved in any insurance rate, but individual factors are only part of the equation when purchasing commercial car insurance.
First, there’s the fact that there are different types of commercial insurance available for delivery drivers. There are whole commercial policies, add-ons, and hybrid policies.
Whole commercial policies are separate policies from your personal policy and are generally a fairly expensive option.
You will get a quote and have two different insurance policies at once, but this can be expensive, as you will be paying for two separate policies simultaneously.
Hybrid policies are fairly similar in that they are a whole policy, but instead of just being personal or commercial, this policy is a combination of both.
An example of this is the Rideshare policy from Geico commercial. Rideshare acts as a personal policy for your day-to-day driving and a commercial policy while you’re using your car for work.
This may be a more affordable option than having two separate policies at once. It’s important to compare car insurance company quotes to make sure you’re getting the best deal.
The most cost-effective option is to see if your existing personal car insurance policy has a rideshare add-on.
This is a unique type of add-on that has gained popularity with the rise of ‘work from your car’ type jobs in the past decade.
It essentially allows for your personal cover to extend to food delivery or rideshare work while you are on the clock.
The only downside to this option is that it is not available everywhere.
Where can I purchase commercial car insurance?
Commercial car insurance is very popular in the industry, so most companies will have some sort of commercial policy option.
A great first place to start is to check with your existing insurance to see what options they have. If they have any bundling or add-on options to this may help you save money.
If the answer they give is not what you’re looking for, it’s time to start shopping around. We can help with that.
Ready to buy car insurance? Now that you know more about Godfather’s Pizza car insurance, enter your ZIP code below and we will help you find local car insurance quotes that fit your budget.