Commercial truck insurance is an important topic for truck drivers and business owners. There are many factors to consider when determining the best truck insurance rates, including company, type of trucking operation, age of truck driver, and more. Today's blog post from Prestige Insurance will offer some tips for saving on commercial truck insurance that you may not be aware of! Keep reading to learn more, and contact our team at Prestige Insurance in Sunrise, FL to get the help you need finding the best trucking insurance policy.
Hire Wisely
One way to save on trucking insurance is to hire wisely. When you are looking to fill a truck driving position, consider the age of the driver and their experience. A younger, inexperienced driver will likely be more costly to insure than an older driver with a good driving record. Also, make sure that you are hiring a truck driver who is willing to accept the trucking insurance policy that you offer. Not all truck drivers are insured!
You can also save on trucking insurance by hiring part-time truckers as needed, instead of full-time employees who drive regularly for your company. If a truck driver works only when they need help and not every day, their commercial truck insurance rates will be much lower than truck drivers with regular schedules.
Consider Your Routes
Another way to save on trucking insurance is to consider your routes. If you have a route that takes you through low-risk areas, your rates will be lower than if you drive in high-risk areas. Also, try to avoid driving at night or during bad weather, as these are two of the riskiest times for truck drivers.
Hazards on the trucking job are one of the factors that determine truck insurance rates. If your trucker is exposed to more hazards, you will likely pay more for their trucking insurance policy than other companies that do not face high-risk situations as often. For example, if you haul hazardous materials or drive in areas where there are bad weather conditions, your trucking insurance rates will be much higher.
Consider Your Trucks
The age and type of truck you use can also have an impact on your truck insurance rates. For example, if you have an older truck that is not as safe or reliable as a newer truck, you will likely pay more for trucking insurance. Likewise, if you have several trucks in your fleet, the rates for each truck may be different, depending on the type of truck and its safety features.
Put Safety First
When you're looking for trucking insurance, safety should be your number one priority. Insurance companies often give discounts to truckers who have invested in safety features or training that will help them avoid dangerous conditions and accidents on the road. If your truck driver has received any of these certifications, make sure they carry their certificates with them at all times while driving! If you want to save money on trucking insurance, make sure you consider all of your options when it comes to truck safety.
At Prestige Insurance in Sunrise, FL, we understand that finding the right truck insurance policy can be difficult. That's why we offer our clients a variety of options for trucking insurance, including general liability insurance, cargo insurance, and more. We also have years of experience helping business owners save money on their trucking insurance policies. Contact us today to request a quote and we'll get to work as soon as possible!