Truck Insurance

Many Truck Insurance Quotes with One Phone Call!

Sometimes, what you thought was an ordinary could turn into a disaster. Even if you are a careful driver, accidents can happen. For instance, you or your truck driver is hauling a load when a sharp turn caused the truck to tip over. The load spilled everywhere and you could not stop oncoming traffic from running over it.

Whether or not you have been injured, you should always be insured. Truckers specially should have enough insurance, a vital part of any business strategy – even if you only have one truck in your possession.

A common mistake that we see with small commercial trucks or pickups is that their owners rely on their regular auto policy. When they get into an accident, they realize it does not cover commercial use of their trucks. Therefore its crucial to have a separate type of insurance to cover your trucks for your business.

Here are among the reasons why you should have truck or commercial auto insurance:

  • The law requires you to get truck insurance with at least the minimum legal limit depending on the gross weight and use of your truck, Federal and State laws specifies the minimum limits.
  • You can avoid any legal issues when you follow the rules.
  • Accidents can happen anytime, anywhere. Whether they are negligible or significant, your insurance should cover you after an accident.
  • The insurance can protect your cargo, as well as other people’s property.

Truck Insurance can cover collisions and other physical damage. For your peace of mind, you should always be ready, so get the trucking coverage you need.

Saberlines Insurance can provide you with multiple truck insurance quotes from top rated insurance carriers, quotes can be processed instantly with many specialized carriers, the best coverage at the most affordable price, you will have many options of coverage, coverage always meet or exceed the legal requirement, and satisfy banks or finance companies if the trucks are financed, extra coverage also available.

Information needed to get a truck insurance quote include: company ownership, information about the driver(s), truck(s), trailer(s) and cargo being hauled, quote can be generated in minuets, policy issued same day, drivers need to show proof of class A license -when needed, proof of prior insurance is highly recommended for extra credit, even prior auto insurance is acceptable to get discount.

What trucks do we insure?

  • Dirt, Sand & Gravel: dump trucks transporting dirt, sand gravel or asphalt, for-hire basis, with federal or state filing, tractors with end dump or bottom dump trailers, heavy dump truck with no trailer attached.
  • Straight/Box Truck: cargo vans, moving companies, with PUC/ICC filing for liability & cargo insurance.
  • Flat Bed: steel haulers, salvage haulers, scrap, recycle, building materials, coil steel, metal sheets or machinery.
  • Towing services: towing provided by gas stations & auto repair shops, car carrier, goose-neck trailer,on- hook.
  • Dry Van/ Reefer: standard general dry freight, refrigerated, seafood, meat or produce.
  • Auto Carrier: car haulers with single or double decks, including pick up trucks, 1-11 car carriers.
  • Owner Operator: leased to another trucking company, may need bobtail liability, physical damage, or primary liability, own authority owner operator.
  • Tractor- Trailer: trailer attached, low boy, flatbed, auto hauler, dump trailer, mobile home haulers-totters.
  • Hotshot Insurance: fast delivery, last mile, small trailer, pick up, boxed truck.
  • New Authority: new DOT authority, changing from intrastate to interstate.
  • New Drivers: new CDL, new class A License is less than 2 years.
  • Delivery Service: moving companies, household goods movers, furniture delivery to customers home or work.
  • Household Movers: state PUC or federal ICC filing, cargo and liability ICC filing.
  • High Risk Drivers: drivers with many violations, accidents or bad safety score.
  • Claim History: heavy losses in the last 3, high loss amount compared to premium.
  • Freight Brokers: broker surety bond of $75,000 available.
  • Agricultural Hauling: livestock hauling, coal hauling, refrigerated goods.
  • Waste Haulers: collecting from residential or commercial customers, containers from construction sites, septic waste contractors, recycle and scrap metal sale.

Coverage available under Truck Insurance Policy

Collision, Comprehensive, Fire and Theft, available deductibles from $100 to $5,000.

up to $250,000, coverage includes: $25,000 Debris removal/pollution cleanup, $10,000 Earned Freight, $7,500 Sue & Labor Clause, $5,000 Equipment Protection,Packing Container $5,000, Loss Mitigation $7,500.

up to $250,000, with $2,500 deductible, and $2,500 additional coverage for temporary storage.

up to $1 million/$2 million.

up to $2 million.

up to $1,000.

Recommended Driver Hiring & Training Procedure

Insurance carriers which specialize in writing truck insurance prefer the following to be Standard Procedure for driver screening and hiring:

  • Employment Back Ground
  • Driving Record (MVR)
  • Criminal Back Ground
  • Drug Test
  • Driving Skills
  • Fitness and Physical Ability

After hiring, an annual review of driving record and SafeState violations is recommended, regular vehicle maintenance, accidents review, engine data review, safety training seminars will improve the safety of drivers and equipment.