Little Caesars Pizza Car Insurance: What to Know & How to Save (2021)
If you are thinking about being a little Caesars delivery driver, there are some things you need to know about Little Caesars car insurance. Firstly, your personal car insurance policy may not cover you if you are in an accident while on the clock. Secondly, you can purchase a commercial car insurance policy or add-on from many insurance providers.
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UPDATED: Feb 24, 2021
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- Little Caesars does not provide car insurance to their delivery drivers
- Your personal car insurance is unlikely to cover you while you’re using your car to deliver pizzas
- You can purchase a whole commercial insurance policy or you may be able to get an add-on to your personal policy
Before you get ready for your first day delivering pizzas from Little Caesars, you need to do your research on Little Caesars Pizza car insurance.
Did you know that most delivery drivers are working every day without proper car insurance?
It may sound far-fetched, considering every job posting will ask that prospective employees have car insurance, but it is true.
Looking at the personal car insurance policies from the best car insurance companies will show that they are not designed to cover food delivery drivers while they are on the clock.
Keep reading to learn more about the types of insurance that you need to make sure you are covered when driving for Little Caesars Pizza.
Need to start looking for new insurance rates to keep yourself covered while on the job? Enter your ZIP code above, and we will help you find local rates that fit your budget.
Am I covered when I’m delivering pizzas for Little Caesars?
Unfortunately, the answer is likely no. The vast majority of personal insurance policies do not cover using your car for commercial purposes.
The first thing it means is that if you are involved in an accident while on the clock, you will likely be on the hook for thousands of dollars.
In fact, according to the International Insurance Institute, the average collision claim is over $3,000. Without insurance, you would be paying for car repairs out of pocket, on top of any medical expenses.
That’s why it’s so important to make sure you obtain commercial car insurance and keep yourself protected while you’re on the clock.
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What type of insurance do I need?
Commercial car insurance will cover you while you are using your car for work. You can obtain a separate commercial insurance policy.
The main downside here is that it is likely expensive, so you want to speak with your insurance agent and see your options about bundling and discounts.
You can look for insurance add-ons. These add-ons allow you to extend your personal policy to protect yourself while you’re on the clock. These add-ons are generally inexpensive, but they are not available everywhere.
The last option is a unique type of policy offered by GEICO commercial car insurance, called the Rideshare policy. The GEICO Rideshare policy acts as a combination of personal and commercial coverage.
This policy doesn’t require any riders; just pay your monthly premium, and you get coverage when you’re on the clock and when you’re off.
Is commercial car insurance expensive?
That is going to depend on what type of commercial insurance you purchase.
Whether it be the separate commercial policy or the GEICO food delivery insurance hybrid policy, any whole policy option is going to be a more expensive option.
The majority of add-ons cost less than twenty dollars per month, depending on your provider.
Little Caesars Pizza Car Insurance Review
In the end, it is going to come down to a cost-benefit analysis that only you can do. How much will you have to work to pay for your commercial insurance?
Which company offers you the best coverage for the cost? Take the time to compare car insurance companies to find the right provider and policy that fits your work and budget.
Ready to start looking at car insurance rates near you? Enter your ZIP code below, and we will pull up local rates to get you started on your journey for affordable car insurance.