Pizza Ranch Car Insurance: Discounts, Rates, & Requirements (2021)

As a delivery driver for Pizza Ranch, you won’t be able to buy Pizza Ranch car insurance coverage from the company, but Pizza Ranch requires proof of insurance on job applications. Pizza Ranch auto insurance requirements are limited to what’s necessary for you to drive in your state legally, but this personal coverage won’t be enough. You’ll also need a commercial policy, which can get expensive. The best way to save is to compare Pizza Ranch auto insurance quotes from at least three companies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 12, 2021

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Here's what you need to know...

  • Pizza Ranch delivery drivers use their own vehicles to deliver pizza
  • Pizza Ranch delivery drivers are required to provide proof of valid insurance to deliver for the company
  • Your personal insurance policy will meet Pizza Ranch car insurance requirements but probably won’t be enough to provide coverage when you’re out on delivery; you’ll also need commercial coverage

We know understanding your car insurance policy can be complicated, and it’s even more so if you use your vehicle for business purposes. If you’re a delivery driver, you may find yourself asking more car insurance questions than ever before. Today we’re looking at Pizza Ranch delivery drivers.

Do you need car insurance as a Pizza Ranch delivery driver? Can you buy Pizza Ranch car insurance? How much are Pizza Ranch car insurance rates? How can you get Pizza Ranch auto insurance quotes? Where can you find Pizza Ranch auto insurance reviews? Read this article to answer all your Pizza Ranch delivery driver car insurance questions.

Before we get started, why not use your ZIP code in our free tool to start comparing quotes for Pizza Ranch delivery drivers right now?

What kind of car insurance do you need as a Pizza Ranch delivery driver?

As a Pizza Ranch delivery driver, there are a few qualifications, skills, and expectations you’ll need to meet, including:

  • Being at least 18
  • Having a valid driver’s license
  • Having an acceptable driving record (Pizza Ranch doesn’t specify what this entails)
  • Providing proof of insurance
  • Knowing how to use a map or GPS
  • Treating all customers courteously
  • Behaving with honesty and integrity

While insurance is required, as we noted earlier, Pizza Ranch delivery drivers are responsible for purchasing their own coverage. But will your personal car insurance cover a vehicle used for food delivery?

Unfortunately, a personal policy that meets state requirements likely won’t provide the protection you need while you’re delivering pizza because most personal policies don’t include coverage when you’re using your vehicle for business. You’ll need to buy a commercial policy as well to ensure you’re covered when you’re out on delivery.

So why does all this insurance coverage information matter? You must have the right coverage as a delivery driver because chances are you’ll need it. According to Crosley Law, delivery drivers face significantly higher accident and vehicle fatality rates than drivers in other occupations.

Keep reading to find out more about your coverage options and where you can purchase the insurance you need.

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Where can you get Pizza Ranch delivery driver car insurance?

Most major insurance companies offer commercial car insurance, so all you need to do is ask your agent if you can add a commercial policy to your existing insurance policy with the company. However, this can get expensive. Adding commercial coverage will cost you an average of $150 extra per month.

So what can you do to save? One way to get more affordable Pizza Ranch car insurance is to ask about the delivery driver add-on, which you can add to your personal car insurance policy. Companies that offer this add-on include:

  • Crump Property & Casualty
  • International Property & Casualty
  • Progressive
  • State Farm
  • Sunderland Insurance

Another way to save is to compare Pizza Ranch car insurance quotes from at least three companies to ensure you’re getting a fair rate.

Pizza Ranch Car Insurance: The Bottom Line

Pizza Ranch expects its delivery drivers to use their own vehicles and purchase their own insurance coverage.

Proof of this coverage is required when you apply to be a Pizza Ranch delivery driver, but you’ll need more than the minimum liability coverage that meets this expectation. While Pizza Ranch doesn’t require it, you’ll also need commercial coverage or a delivery driver add-on to be protected while out on delivery.

Now that you’ve read our Pizza Ranch auto insurance overview, are you ready to start shopping? Enter your ZIP code in the free tool on this page to start comparing rates for Pizza Ranch delivery drivers today.

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