Have These Important Facts in Mind When Looking for Commercial Vehicle Insurance
Purchasing insurance, whether auto insurance, home insurance, or commercial vehicle insurance can be an overwhelming task. There are crazy definitions, terms and conditions, exclusions, coverages, and endorsements that often end up causing confusion to the consumer and possibly giving you a headache. It needs no mentioning buying insurance isn’t exactly a fun and exciting process, now is it? You know, comparison shopping from one insurance agency to the other, doing your due diligence of one insurance company to another and all else in between. But, take a moment and imagine your life without insurance. Imagine your semi-truck getting involved in an accident and not having insurance to help you get back on track.
The good news is there are very good insurance policies in the market if you know where to check and what to check. This is especially true when working with a reliable commercial vehicle insurance agency. They will not only help scout for the best auto insurance for your needs, they will also help you save by advising you accordingly in regards to commercial truck insurance. Here are some of the major things you ought to know about when insuring your truck.
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First we have liability insurance which is the mandatory insurance that covers any damage caused using your truck. It is an offense to drive without liability insurance and could result in very heavy penalties. There is the motor truck cargo insurance – this covers the load you carry on your truck. While this is not a mandatory form of insurance, some shipping companies always insist of having it. There is Bobtail insurance otherwise referred to as non-trucking or deadhead liability – this form of insurance is voluntary meaning it isn’t mandatory by law. It covers your truck when you are on the road for example when you need it serviced. There is physical damage coverage – this is also not a legal requirement but it is one of those insurance policies that cover your truck against such things as flood damage, theft and fire. Again, working hand in hand with a reliable commercial vehicle insurance agency can help you customize the most ideal insurance for your truck needs.
That being said, there are ways you can save money on commercial vehicle insurance. The following are some of the do’s and don’ts that a genuine commercial vehicle insurance agency should educate you on to help you save some bucks. Perhaps the best piece of advice you will ever receive from your agency is honesty. Yes, it can be very tempting to overstate the actual value of your truck; and it can be conveniently tempting to “forget” that speeding conviction. These are things that can come haunting you later on and transparency is key when it comes to getting the most accurate commercial vehicle insurance quotes.
Some of the general factors that affect the cost of commercial vehicle insurance premiums include the following. The driver’s record and history. How many traffic offenses and speeding fines have you or your drivers incurred over a given period of time? The type and radius of operation. The limit of liability coverage that is needed and of course, where you keep your trucks, particularly overnight.
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