Commercial truck insurers are what keep your trucks on the road during times of strife. Accidents happen all year round and they can be extremely costly, especially if cargo is damaged as well. That’s why you should always minimize risk by getting comprehensive truck insurance. Let’s have a Q&A with some experienced commercial truck insurers in order to find out more.
What effect does your choice of driver have on your premiums?
Who drives your trucks can have a profound effect on your premiums. The reliability of your driver probably determines the likelihood of an accident more than any other factor. If you want to minimize your premiums it’s essential to show commercial truck insurers you have drivers that are well experienced, and that have totally clean driving records and professional qualifications like a commercial driver’s license.
What effect do your vehicles have on your premiums?
The vehicles you operate do indeed affect the cost of your premiums. Vehicles that are relatively new, a well regarded and reliable model, and are regularly well maintained incur far lower premiums than cheap, old vehicles in a poor state of repair. You can lower your premiums further by installing extra safety features like reinforced plating, anti-theft devices, air bags, etc.
What is another way you can lower your premiums?
The other crucial way to lower your premiums is to work out a good deal with your insurance agent. Finding a good insurance agent is a matter of thorough research; look around online and see what people are saying about potential candidates. Go for someone with a good buzz about them; sometimes it’s best to avoid brand new agencies because their reliability hasn’t been tested.
Once you’ve found a good agency try to negotiate a good deal by purchasing coverage for many vehicles at once, combine your commercial vehicle insurance with insurance for your personal vehicle, or try paying your premiums up front for a long period.
