Cars vs. Trucks vs. SUVs

What type of vehicle is best for insurance adjusting?

Finding the right set of wheels is important. As an insurance adjuster, you’re driving long miles to get to and from jobs, sitting down, and working out of your car the whole time – so it’s important to think of your vehicle as not just transportation, but an asset and important tool for your adjusting work.

The question of choosing a car, truck or SUV for insurance adjusting is a big one, and there’s no one definitive answer. Let’s consider the benefits and tradeoffs of each.


 

Cars

The main benefit of choosing a car for your claims adjusting work is going to be cost. A car will be cheaper to buy, cheaper to own and depreciate less over time. It’s also going to save on gas and maintenance. Cost isn’t the only benefit – cars can come with better options for highway travel and interior and are easier to drive in tight situations. With the amount of driving that comes with being an insurance adjuster, these advantages are nothing to shake your head at. The tradeoff is space. A car may be able to hold all your tools and laptop, but it’s not going to hold a ladder. A car will also struggle on tough roads, potentially limiting your ability to take on adjusting jobs in remote areas. If you’re frequently driving down farm roads and trails, a car is a liability. It’s a lot easier to get through a dirt road with a divot with a truck.
 

Trucks

Trucks provide you with a lot more features that are convenient to insurance adjusters if you’re willing to invest more. While entry level trucks can be cheap, nice trucks with options that make highway driving comfortable are going to be expensive. The additional space is nice and allows you to bring things like extra safety gear and more tools. You also get the ability to tackle adjusting jobs in areas with rough terrain. With an older, basic truck, you’ll have to give up the easy driving experience and fuel efficiency, but newer trucks are getting better and better. Trucks provide you with a lot of utility, with the exchange being their cost.
 

SUVs

For the purposes of insurance adjusting, an SUV is a good middle ground between a truck and a car. While they lack the open bed and convenience of tossing your gear in, an SUV still comes with plenty of space in the back and a ladder can easily fit on the roof. With your gear inside your vehicle, you also never have to worry about your gear getting wet or weathered by storm conditions. SUVs can come with a lot of options and are a comfortable vehicle no matter what. While not as efficient as cars, they will still get fair gas mileage and maintenance costs can stay relatively low. The average SUV isn’t ideal for tackling tough roads, but it will definitely handle them better than a car.

3 thoughts on “Cars vs. Trucks vs. SUVs

  1. I use a VW Passat Diesel with a ladder rack installed in a receiver hitch which holds an 18′ folding ladder. The trunk is large enough for all my tools and back up tools. I also have and 18′ Telescoping ladder in the trunk for 2 story roofs.
    Comfortable, 42 MPG. I have 150,000 miles on it and maintenance outside normal for tires and oil changes (recommended 10,000 miles) has been about $2,000 including timing chain at 100,000 miles. Does well on rough roads if you take it easy. Not good on snow on a hill.

  2. I prefer a used minivan. Ideally the type that let the seats roll down and the back is flush when seats are folded down. It allows me lay my ladder flat inside the van, holds all my gear, suitcases and computer equipment while traveling and all of it is secure and in conditioned air while traveling. The hatchback and sliding side doors also make it easy to load and unload. Also, I buy used because minivans sell very inexpensively compared to a pickup truck or even an SUV. To me trucks are way over priced these days.

    I spent $2200 on a used Chrysler Town and country, put new tires on it and have put 60k miles on it in the last 2 years. I’ve driven it to Cape Cod for Riley and to Florida for Irma and twice to Colorado for hail. Making money as an adjuster is about managing expenses. Having $50k+ in a new pickup doesn’t make you more money or more efficient. I also want to be low key when I’m working claims. I don’t want to drive a vehicle that costs more than the insureds. When I’m staying at different hotels, I don’t want my vehicle standing out and attracting attention from We can make a lot of money this business and I have but I don’t want the insured to feel I’m making money at their expense. These are just my opinions based on my experience. Hope they help.

  3. I also drive a Jetta with the TDI. Cant be beat, 40-42mpg. and it goes. Hurry and get your because our government said they cant make them any more. Mine was just totaled so I’m going to buy one of the last yeas they were produced. Telescoping ladder in the trunk. When I’m at home working I look on google maps or Zillow to see if I need to put the luggage racks on. I use a 3 section 9′ extension ladder if needed.

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