Where you fall on the spectrum depends on a many things, including:

• What you haul

• How far you typically drive

• How much your truck is worth

• Driver age and CDL experience

• Your credit history

• Your payment plan

All these factors skew your rate either higher or lower, and every company rates each factor differently. With such a wide range in costs, it really does pay to compare as many insurance companies as you can

The coverages your policy needs is a matter of what kind of work you do and what kind of truck you drive. Motor carriers require their owner operators to purchase bobtail or NTL insurance while they handle the primary liability. Truckers with their own authority will bear the full brunt of primary liability themselves. The cost for cargo coverage varies. If you pull a reefer, you might need refrigeration break-down coverage, which costs extra. 

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Clean driving – Insurance companies want to work with drivers who won’t cost them money. As incentives, these companies offer cheaper premiums to operations with clean driving records and safe vehicles.

Pay yearly – With the high price of a semi policy, this is easier said than done. If you can do it though, truckers who pay their insurance cost for the year in a single lump sum can see their overall premium reduced by over 10%, sometimes up to 20%!

Consider higher deductibles or lower limits – Your deductibles and limits are tied to your premium—bigger responsibilities on your part translate to lower premiums. Be careful, though, because a higher deductible now could lead to you paying even more down the road.

Compare rates for semi truck insurance between several companies – Just like with anything else, the easiest way to get the best price is to compare offers from many different sources. With semi truck insurance, shopping around is a little harder since many of the main insurance companies don’t write trucking risks. Our goal is to make it easy for you to shop, compare, and get the best policy for truck.

If you’re a for-hire trucker, or motor carrier, you’ll most likely need.

Examples of situations where Motor Truck General Liability insurance may provide coverage:

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• Customers slipping / falling on your premises

• Erroneous delivery of products resulting in damage

• Actions of a driver while representing the insured and on the premises of others, such as, loading docks, truck stops, etc

• Libel and slander exposures

• Fire on rental property due to insured’s error

If a customer is on your premises and slips and falls in the parking lot, Motor Truck General Liability insurance may provide coverage. Products / Completed Operations provides coverage for bodily injury or property damage that happened as a result of delivering someone else’s goods.