Finding The Best Trucking Insurance Rate For My Business

Trucking Insurance Roseville, California

Trucking Insurance Roseville, CaliforniaAt Network Truck Insurance Services, we understand truck insurance. Whether you are just starting a truck insurance business or have been in the industry for 20+ years and are looking to find a better truck insurance rate, we are here to help you.

So, when you are shopping for truck insurance in California, what should you look for?

A local insurance agency that specializes in truck insurance 

We consider ourselves experts because our sole focus is helping trucking businesses. Our founder, Alan Robison, recognized the transportation industries’ need for expert agents, solid insurance markets and exemplary customer service. He then set out to create an agency that would meet all those needs in one location. Network Truck Insurance Services Inc. continues to thrive in the insurance industry and remains focused on our number one priority; our clients. Our expertly trained agents provide insurance coverage and superior service with A-rated carriers. We are committed to providing our customers with the knowledge, market availability and service needed to meet various transportation insurance needs.

Other benefits of working with a local truck insurance agency in California –

Ease of service – Your local, independent insurance agent can service your insurance policies, so if there is a problem there is only one number to call if you have questions about your policy. Your agent also lives in your area so they are able to be honest and let you know if you really need specialty coverages.

Understand your insurance coverage – Your local, independent insurance agent is an expert when it comes to the insurance world. If you are confused to the meanings of Comprehensive, UMBI, PIP or any of the other coverage options, your agent will be able to explain your coverage in plain, easy-to-understand language. When you purchase any type of insurance, there are a lot of ins-and-outs to consider, your agent will be there to walk you through your coverage and make sure that you understand what may or may not be covered.

Adaptability – We understand your needs may change overtime. With one simple phone call or email, we can update your existing policies with ease.

Several coverages all in one place – We cover all trucks including box trucks, dump trucks, semi-trucks, flatbed trucks, tow trucks, tank trucks and more! With several coverage options to choose from, we can provide multiple quotes for you to choose from. Best of all, we write insurance not just in California, but in Nevada, Texas, Arizona, Oklahoma, Washington, Oregon, Idaho, Florida, Colorado, Utah and Arkansas.

Things You Should Know About a Commercial Auto Insurance Policy

Best Commercial Truck Insurance Rates in California

Best Commercial Truck Insurance Rates in CaliforniaWhen many people think of a commercial auto insurance policy, they may think of big vehicles such as semi-trucks, box trucks, garbage trucks, etc. However, there are many variations of vehicles that would qualify for a commercial auto insurance policy.

How to Determine If You Need a Commercial Auto Insurance Policy

If you are using your vehicle or your employer’s vehicle for business purposes, you need a commercial auto insurance policy or endorsement. For instance, many people are working in the gig economy in jobs such as delivering food with your own vehicle or doing rideshare. It is important you have the right insurance coverage. If you do get into an accident where you are making a food delivery and damage your vehicle or someone else’s property, your standard personal car insurance policy will likely not cover you. Contact our agents with any questions you may have.

Here is a quick reference to help you determine if you need a commercial auto insurance policy:

  1. Using your vehicle to carry business equipment
  2. Freight transportation
  3. Towing vehicles
  4. Delivering food or goods (Amazon drivers, food delivery drivers, newspaper delivery)
  5. Using your vehicle to chauffeur people (Uber or Lyft Drivers, taxi service)
  6. Transporting material

How Is A Commercial Auto Insurance Policy Different Than My Personal Auto Insurance?

Since your vehicle is being used for business purposes, there are different risks that need to be insured. Additionally, the rating system used by companies is entirely different than a personal auto policy. Each commercial policy needs vary, so have a discussion with your agent to discuss your specific policy limits. For business owners with many vehicles to insure, business auto fleet policies are available. Additionally, consider adding a commercial umbrella policy above and beyond your standard commercial auto policy to protect your business from a catastrophic vehicle accident claim.

How Much Does Commercial Auto Insurance Cost?

Just like your personal auto insurance policy, a commercial auto insurance policy is rated on many factors. Here are a few common examples of what could determine your insurance rate.

  • Driving records
  • Driver age
  • Credit history
  • The size & type of your vehicle
  • The number of vehicles you are insuring
  • What you plan to transport

Not Sure What Kind of Coverage You Need for Your Business?

That is where we can help. Our agents can help determine what type of coverage will be the best fit for your specific needs. If you plan to use your vehicle for business and personal purposes, we can help you determine an appropriate type of policy. If you are only looking to cover your vehicle for business use, we can help find you the best rate. We will explain all of your options so you understand your policy. Get a free commercial auto insurance policy by calling or emailing us.

Looking for a Long Haul Insurance Broker?

Long Haul Truck Insurance

Long Haul Truck InsuranceLooking to find insurance coverage for your long haul truck business? Contact Network Truck Insurance Services in Roseville, CA. Our agents specialize in truck insurance policies and can help you find the best rate for your business.

Long Haul Truck Drivers Are Unique

Since you carry loads for hundreds of miles and state to state, you need an insurance policy that suits your needs. Your trucking business is slightly different than the average truck driver. By speaking with one of our truck insurance specialists, we will help you determine the insurance coverage you need that is based off of your hauling. Whether you haul for 200-300 miles or do long hauls over 500 miles, our agents can search to find the right truck insurance for your needs.

How Our Agents Help Save You Money

Many choices – Since we specialize in truck insurance, we represent the top truck insurance companies. After learning more about your business, we can find the appropriate coverage you need. Once we determine your coverage needs, we will quote you through several truck insurance companies to find you the best rate. Additional ways to save money include:

Choosing a Higher Deductible – This will likely lower your insurance rate.

If You Have a Good Driving Record – Similar to a personal auto insurance policy, the better your driving record, the better your rate.

Choosing The Right Coverage – This is where our agents help. After asking a series of questions about your truck business, we can determine the best insurance coverage for your needs. We can go over in detail the different types of coverages. Then, you can decide what works best for your truck business.

Long Haul Truck Insurance Coverage Options

Liability – this coverage can protect you if you cause property damage or personal injury from an at-fault accident.

Physical Damage – this coverage option can protect your truck and equipment.

Cargo – this coverage can protect your cargo if is it lost or damaged due to a fire, collision and more.

If you need a free quote for long haul insurance, contact our agents at Network Truck Insurance Services in Roseville, CA. We can write truck insurance policies in California, Nevada, Texas, Arizona, Oklahoma, Idaho, Oregon, Washington, Arizona, Illinois, Colorado and Florida. We help a lot of truck businesses across the United States! You can request an insurance quote through our website or call our agency. We look forward to earning your business.