Advice on Commercial Truck Insurance
Finding Commercial Insurance for Trucks
Why Commercial Truck Insurance?
Whether you operate your business with just one truck or your company has a fleet, you need commercial trucking insurance that’s right for you and your business needs. Commercial vehicle insurance has some similarities to your personal auto policy, but there are some important differences, too, in what they cover, what they exclude, the limits, and even the eligibility.
Finding commercial insurance for trucking companies can be difficult, so we are here to help you navigate commercial truck insurance rates and how to assess commercial truck insurance brokers. We’re here to help lead you through the confusing process of finding commercial truck insurance quotes and commercial truck insurance quotes online.
How do you find out what insurance is right for your business?
You need someone who specializes in commercial trucks insurance. Insurance specialists at commercial truck insurance companies will be able to help you find not just the right commercial truck insurance quote for your insurance but will help ensure that your insurance meets the needs of your commercial truck companies and is cost-effective as well.
They will be best able to meet your needs and help you with a commercial truck insurance quote because they can easily make comparisons between various kinds of coverages. It’s what they’re trained to do.
Kinds of Commercial Vehicle Insurance
Driving a truck has risks, and the average cost of a commercial truck accident is about $59,000. Therefore, it’s important to be appropriately covered.
The term “commercial truck” can refer to a variety of vehicles, from semis (tractor-trailers or 18-wheelers) and flatbed trucks to dump trucks and garbage trucks. Each of these trucks plays a different role and are driven a different amount of time and haul different items. The kind of truck you operate will be one factor that determines the kind of coverage you need, as well as cost.
Commercial tractor trailer insurance or commercial semi truck insurance may differ from commercial truck liability insurance and commercial truck physical damage insurance. The commercial truck insurance average cost will differ depending on your needs. For example, if you are looking for commercial truck insurance for new drivers, the cost may be different than for established drivers.
What does commercial truck insurance cover?
The coverage you need may include any of the following:
- Commercial truck liability insurance
- Physical damage coverage
- Uninsured/underinsurance motorists coverage
- Commercial truck cargo insurance coverage
- Commercial trailer insurance
Additionally, you may have other needs specific to your business. When getting a commercial truck insurance quote online, these are just a few aspects to consider.
Other factors to consider include the drivers’ driving records and certification, the kinds of cargo being hauled, and where the trucks will be driving (across state boundaries, for example) and how many miles per year.
How to get commercial truck insurance quotes: Call today!
On your own, it may be difficult to get comparisons of different coverages and their corresponding costs from commercial trucking insurance companies.
An insurance agent can help you in comparing quotes from several different insurance companies.
Contact us today, and an agent will help you get the commercial truck insurance that you need.
