There are several factors that can effect your truck insurance premium. Listed below are some of the common factors.
Condition of the Truck
Unlike normal auto insurance, the age of the vehicle is not of great concern for most truck insurers. Truck Insurance companies typically find that older trucks are much better cared for than newer trucks. With this in mind, it is the overall condition of the truck that most greatly affects the truck insurance rates. Making certain that breaks, tires, and other features that affect safety are in excellent condition is imperative when seeking to reduce truck insurance premiums. These factors are ensured through Department of Transportation (DOT) inspection. Incidentally, DOT inspection is a requirement for truck insurance coverage.
It can never be stressed greatly enough that safety is of the greatest concern in the truck insurance business. Your rates can be further reduced by safety signs. “This truck makes wide turns,” and such.
Safe Drivers are the Best Drivers
Your experience as a driver will also help to reduce your truck insurance premiums. To begin with, truck insurance companies typically will only insure drivers between the ages of 30 and 65. Having a good driving record will reduce your rates considerably. Insurance companies will also reduce your rates when you have been with them for a period of time and are accident free.
The degree of experience a driver has with long-haul trucks will also be taken into consideration as well as the number of years that a trucker has been driving as well as the lengths of employment. Trainings, such as safety schools are very helpful in this respect.
| How Direct Truck Insurance Can Help
As a direct insurer, Direct Truck Insurance can offer you the best insurance rates for your long-haul truck. Drivers purchasing their own truck insurance are always eligible for the most competitive rates, but there are ways to reduce your truck insurance premiums even further. To begin with, it is always most cost effective to purchase insurance from a company that specializes in truck insurance, as we do. A Commitment to Personalized Service In the end, NITIC offers some of the lowest and most competitive truck insurance rates for drivers. This is quite a statement considering our coverage is between $750,000 and $1,000,000. Cargo insurance is also available up to $250,000. A history of excellent service has earned NITIC a “B” rating from AM Best. We work hard to make our customers happy. When you call our office, you will always be speaking to an agent with a minimum of 20 years of experience. Rather than requiring you to come to us, we will meet you wherever it is convenient. This applies to potential customers in all 47 states that we operate in. If you are interested in having the lowest truck insurance premiums with the best coverage, give us a call at 1-888-849-7273. We will schedule an appointment to meet with you and discuss all of the factors that will contribute to reducing your truck insurance rates. |
