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COMMERCIAL TRUCKING INSURANCE ARTICLES

We are the trusted truck insurance advisors.

In the trucking industry, finding the right insurance for your commercial vehicle can be complicated. From federal and state regulations to motor carrier requirements, there are several things to consider. Getting insurance coverage, however, can be simple. At Truck Insurance Quotes, we strive to help you find quality and affordable insurance coverage that will protect your commercial vehicle, your business, and your cargo. No matter if you are looking for liability insurance, physical damage coverage, or other types of specialty plans, we can help you find the policy you need.

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Whether you are a trucker, owner, or operator, understanding the trucking industry and the insurance needed for different types of trucks can set you up for success. Take a look at some of the information below to get a better idea of how you can protect your business and your trucks. Let us know how we can help you!

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You need to heed the Hours of Service regulations.

What are hours of service regulations for trucking?

Hours of service regulations are designed to keep the roadways safe for all parties, from motorcycles to big rigs, and to help drivers stay healthy and alert. Hours of service rules are defined by the Federal Motor Carrier Safety Administration and must be adhered to in all 50 states.

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An image of two trucks side by side, likely covered by truck insurance.

What insurance coverage do I need to get my truck tags?

The Department of Motor Vehicles (DMV) in every state requires both personal and commercial vehicles to obtain truck tags for license plates on an annual basis. The amount that drivers must pay for these truck tags depends on several factors, including age and type of the vehicle. Just as drivers of personal vehicles must prove they have minimum liability insurance, the same is true of commercial truckers.

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It's important to make sure that you have the truck insurance coverage.

Find the right truck insurance coverage with this checklist

It can be hard to figure out what kind of truck insurance coverage you need. Different types of trucking businesses need different types of insurance to make sure they’re protected from the various risks they face. Here’s a handy checklist that details a few different types of businesses and the insurance that’s important for them.

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If you lease onto a motor carrier, you'll need certain insurance.

What coverages do I need if I lease onto a motor carrier?

One of the first decisions you face as a new owner-operator is whether to operate under your own authority or lease onto a motor carrier. While each option has its advantages and disadvantages, the majority of new truckers opt for the latter. The biggest benefit of doing so is that the motor carrier finds loads for you to transport instead of you having to do it yourself.

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Even if you don't have a lienholder, physical damage insurance is still something you should consider.

Why do I need physical damage insurance if I don’t have a lienholder?

Physical damage insurance provides coverage to repair damage to your truck or trailer caused by fire, severe weather, theft, vandalism, and falling objects. It is common for lienholders on truck loans to require physical damage coverage to protect their financial interests if the truck requires costly repairs or cannot be fixed.

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There are a few ways to save money on your dump truck insurance coverage.

How to save money on dump truck insurance coverage

Every business has a budget, and it’s wise to be frugal when it comes to various expenses, including insurance. If your business has a dump truck, you need the right insurance for that vehicle. And there are some key ways to save money when purchasing that insurance. Here are some simple ways to maintain great dump truck insurance coverage while still keeping an eye on the bottom line.

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