Saturday, January 24, 2009

What to Know About Trucking Insurance Quotes

By Steve Turner

If you have ever tried to compare your truck insurance quotes with those of your normal car, you will find that it is much more expensive, and for good reason. Trucks are much more expensive than cars, especially if you count the contents it is hauling. But Even though you may be paying quite a bit for your trucking insurance, it is easy to save money if you know how the quotes work.

One of the first places an insurance company will look will be your driving record. They will check to see if you have been in any accidents or if you have had any speeding tickets in the past five years. If you can maintain a clean driving record, you will be able to substantially lower your premiums.

If you look at all your insurance policies, the one for your truck, your car, your house etc. you will find that you are paying quite a bit of money each month for your insurance. However, if you are in need of bobtail or non-trucking insurance, you can save a lot of money if you group all those insurance policies together and have them all with the same company.

If you are interested in saving even more money, you should talk to your agent about changing your deductibles. This does mean that if you do get in an accident, you will have to pay more. If you do change them you could save hundreds of dollars a year.

Every time you file a claim with your insurance provider, your rates raise. This is because they see you as more of a risk if you have filed or file many claims. The way to avoid this happening is to not file for insurance help if the damages are low, or if they are close to the price of your deductible.

Different insurance companies are tailored to fit the needs of different people. The rates they will be able to offer you will differ from their competitors. Because of this, it is wise to be able to look around between more than one insurance provider

Some people don't feel that they know enough about insurance, or that they don't have enough time. For these people, as well as everyone else, an insurance broker can often be the best solution. Because they work with many companies, they are able to shop around for you and find the cheapest rates. - 15465

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