Finding The Best Trucking Insurance Rate For My Business

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 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 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.

How Much Does Hot Shot Truck Insurance Cost?

California Hot Shot Truck Insurance AgencyIf you own a trucking business running expedited freight, you need an insurance policy just for your business. Typically known as “hot shot trucking,” your business can carry loads of cars or freight for one or more customers. Your vehicle of choice can be anything from a three-quarter ton truck to a one and a half ton truck with a gooseneck trailer.

Insurance options for Hot Shot Trucking are similar to other commercial auto policies but tends to carry higher limits:

  • Liability Insurance (both for injury as well as property damage)
    • Get into an accident where you are considered at fault? Liability insurance can cover the cost for medical bills, pain and suffering, repairs or replacement of the other driver’s vehicle.
  • Physical Damage Insurance (to protect your vehicle and trailer)
    • Collide with something or experience theft, fire, vandalism or other damage? Physical damage insurance can cover your expenses.
  • Cargo Insurance (to protect your load) 
    • If your load is damaged due to fire, theft, vandalism or collision, cargo insurance can cover the cost. This can be a valuable coverage option for many truck businesses.

How Much Does Hot Shot Truck Insurance Cost?

Like any insurance policy, it depends on several factors including what type of vehicle you are driving, your driving history, where you live, etc. We have seen policies for around $2,000 a year for local haulers in California. The best way to find out the price of an insurance policy is to call our agency. Our agents can shop specific coverage for your business, search for insurance discounts, then provide you with several quotes from our top insurance carriers. Since we specialize in truck insurance, we can explain your coverage options and find you the best rate and coverage for your trucking business. We write insurance policies in California, Nevada, Texas, Arizona, Oklahoma, Idaho, Oregon, Washington, Arkansas, Florida, Colorado and Illinois! We help a lot of truck businesses!

It is important to know that Hot Shot Trucking is not a common insurance coverage that a lot of insurance carriers desire. You’re in a specific niche and that can lessen your ability to find agents or insurance companies willing to write it.

Fortunately, we’ve developed a network or relationships with many insurance companies and can find you the right insurance coverage for your hot shot trucking insurance company. Call or email our agency to start your free hot shot insurance quote.

What To Do If You’re Involved in a Hit and Run Accident

What to do if you get into a car accident in Roseville, CABeing in a hit and run accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, as well as ensure you are covered for the loss when it does happen. While hit and run accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these things will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the vehicle that struck you. This will aid police in locating the driver. Often time, your vehicle will be struck in a parking lot while unattended. In the event this happens, look for any signs of the other vehicle. Is their paint transfer that would indicate the color of the vehicle? Is there a note on your windshield? Are their security cameras such as at the gas station?

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you’ll need to get a police report. Many police stations will not respond if there are no injuries, so you’ll want to still turn in a police report for the incident. Many insurance companies will require this documentation in order to use your UMPD (uninsured motorist property damage) insurance coverage.

Gather any witness information: If anyone is standing there and offers you their statement, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident.

Call insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim. While hit and run accidents may be a scary encounter, they may not require body work to your vehicle. Also keep in mind that if you don’t carry the correct coverages for hit and run (often times referred to as uninsured motorist property damage) your claim will be handled under a collision loss. Deductibles will likely apply in both cases.

While we hope you never have to experience a hit and run accident, being prepared will help you tackle the unfortunate situation. If you have questions about your insurance policy, contact our agents.

National Insurance Awareness Day – June 28th

Best Truck Insurance Agency CaliforniaConsider Sunday, June 28th a day to think about your current insurance policy. While this can be a good time to do annually at your renewal, you may have been thinking about your policy again since COVID-19 hit.

Reach out to your agent.

We can do an in depth review of your current insurance policy based off of your current situation. We can look for any gaps in coverage and explain in detail your limits and what it means.

  • Other things to think of – have you done any home remodeling or have items in your house appreciated? If so, make sure to let us know so your policy is up to date.
  • Will you be making any big changes that may affect the amount of insurance coverage you need?
  • Are you considering other insurance policies?
  • Are you car or home shopping?

Are you a business owner?

Has your business made any changes with added or removed staff, services, products, etc.? Have you moved your business to an at-home business? If so, reach out to us regarding an endorsement so you are covered. Out agents can review your business insurance policy. There are many ways to ensure your business is covered whether it’s through a business owner’s insurance policy, workers comp, cyber liability, general liability and many more options.

Safety measures for your business

Let June 28th be a reminder of all the safety measures your staff should be practicing while at work. This is something your team should do at least once a year. Have can you lower your risk for an injury at work?

Insurance gives you a great sense of security. Whether it’s protecting your assets or your loved ones, let us help you ensure you have the best coverage.

Why working with an Independent Insurance agent matter

Independent Insurance Agents represent multiple top-rated insurance companies. This gives you more choice in coverage, pricing, payment options and discounts when shopping for all of your insurance needs. Not only do independent agents represent better choices, coverage and pricing, they are also a part of your local community which means they understand the unique risks, challenges and companies who have the best pricing in your area.

When you’re looking for insurance for your car, truck, business or other product, know that picking an independent insurance agent is the right choice. You’ll get comparative quotes so you can decide which company fits your insurance needs best.

What Factors Determine The Rate of Your Car Insurance?

Best Car Insurance Agent Roseville, CAWe bet you’ve wondered how car insurance premiums are calculated. Do you ever have discussions with friends of similar age and driving history and find you’re all paying very different premiums for what would appear to be similar coverage?

Insurance premiums are based off of many factors, all of which play a role in your total premium for your auto insurance. A single difference of any of these can give dramatically different outcomes. Some factors insurance companies use to calculate premium can include:

  • Gender, age & marital status
  • What’s your past driving history?
  • What’s your claim history?
  • Your Zip Code where the vehicle is garaged
  • Your credit score
  • How many miles you commute
  • Will you or do you have other policies with the same insurance carrier such as home or renters insurance?
  • Are you currently insured?
  • What types of overage do you want? What limits?
  • What limits did you have on your previous insurance policy?
  • Type and age of vehicle being driven (think safety equipment)

Insurance companies do their best to determine a premium for your situation and calculate a premium that will be profitable for them. It may surprise you to know that many insurance companies try to earn just a few cents on each dollar of premium they collect.

While it is impossible to guess what you are going to be paying each year, you can improve your odds of getting a great rate and terrific coverage by calling a local independent insurance agent. Independent agents represents multiple insurance companies, so we can provide you with comparison quotes from several of the top insurance companies in your state.

How Can I Lower My Car Insurance Cost?

Save when you bundle.

Insurance carriers tend to give great discounts when you bundle your auto insurance with your home/renters/other lines of insurance. Need to insure several vehicles? Multi-policy discounts could earn you some substantial savings. Ask your agent!

Don’t drive much? Seek a low mileage discount.

If you drive less than 10,000 miles a year, ask your agent if you qualify for a discount.

Choose a higher deductible.

If your finances allow you to pay a higher deductible in the event you have a claim, you could save money by making this switch.

Ask your agent about other discounts. Do you qualify for any?

  • Paying your insurance coverage in full
  • Paperless option
  • Safe driver (accident free)
  • Electric or hybrid vehicle owner
  • Great credit score
  • Good student
  • Higher education
  • Advance quote

Did you experience a higher premium at renewal?

Reach out to your agent and ask to get a re-quoted on your policy. Since we can quote many top-rated insurance carriers, you can likely get same or similar coverage with a new carrier to save money. Life changes, so can your insurance company – but you don’t need to change your agent.

How to Protect Yourself from Uninsured Motorists

Uninsured drivers are a huge problem across the United States. Each year billions are paid out in uninsured motorists claims. Even though uninsured motorists have steadily declined over the past decade, some states still have one in four drivers driving without insurance. You can protect yourself with an insurance coverage called uninsured motorist coverage.

Uninsured motorist coverage (often times referred to as UM, UMPD or UMBI coverage) is required in some states, so check with your insurance agent it you already have this coverage. In other states, it is purely optional, but certainly a good idea to carry. If you’re injured or are involved in an accident with an uninsured motorist, this coverage will help protect you, get your vehicle repaired and can even pay your medical bills as well as act as insurance in case of a lawsuit if you’re badly injured.

Uninsured coverage comes in many forms, all meant to protect you in case you’re involved in an accident with an uninsured motorist. When reading these coverages, please keep in mind that the policies and laws vary by state.

Uninsured Motorist Bodily Injury

This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have liability insurance.

Underinsured Motorist Bodily Injury

This coverage may pay for damages when a covered person is injured and the person at fault for the accident does not have enough liability insurance.

Uninsured/Underinsured Motorist Property Damage

This coverage may pay for damages when a covered vehicle is damaged and the person at fault for the accident does not have liability insurance or does not have enough liability insurance.

UM coverage varies by state and according to law so if you’d like to learn more about UM coverage, simply contact your insurance agent to inquire.

Five Things You Should Do Before Hiring a Contractor

General Liability Insurance Roseville, CAIf you’re an experienced home remodeler, you’ve probably come across contractors who are willing to offer better pricing for cash deals or who are reluctant to provide you with a service contract. Did you know that you can be held liable for hiring a contractor who does not carry the right insurance and causes damages or injuries to another person or even one of their own workers? Saving a few dollars on your remodel can end up costing you thousands so follow these tips to avoid an insurance disaster.

  1. Look for obvious red flags: Getting multiple quotes for the job is a great idea, but did you find a contractor who will do the work for ½ as much as the next guy? How is this possible? When you’re inviting a contractor to your home, be sure to ask them for credentials before they come over to give you a bid. Following these steps can save you from theft, liability and even money.
  2. Ask for references: If you found a great contractor and you like him/her, ask them if they have a website or if there is someone who has had work done by them recently that you can talk to. If a contractor is proud of the work they do, they should have several references for you to call. It is okay to ask for reference and most people expect it. Most small businesses survive off of word-of-mouth advertising, so don’t be shy.
  3. Utilize the internet to look up their license: Contractors are required to have a license to perform work. You can utilize your states resources to find these contractors. An internet search will provide you with some quick references. You can even make your job quicker by asking them to provide you with a copy of their license or number.
  4. Active License, Insurance & Bond: Ask the contractor for a copy of their license as well as documentation of their insurance and bond. Note: Check the dates on the license as well as the insurance to ensure they’re currently in force or active.
  5. Get specific: Not only is it important to protect your insurance from a scam, but ensure your pocketbook doesn’t get taken for a ride too. Ask questions like, “Is this an estimate or a final bid?” “Does this estimate include parts and labor?” “Can I see where you’re buying the products beforehand?” The more questions you ask, the better you will feel and the more the contractor will understand that you’re educated on this process.

Let’s take a closer look at what some of these products do:

  1. License: A license to do business means that contractor has met local guidelines and qualification standards to work in their field. Hiring an unlicensed contractor can result in shoddy work or dangerous results such as with an electrician.
  2. Insurance: Contractors need two types of insurance really.
    1. General Liability Insurance: This will protect you from damages that the contractor causes such as a ladder falling through a window, causing a fire or overspray onto a neighboring house during some painting.
    2. Workers Compensation Insurance: This insurance will protect the contractor if one of his employees is injured on the job while on your property. If the contractor does not carry workers compensation insurance, your homeowners insurance policy might be asked to pay that workers claim.
  3. Bonds: A bond acts as a guarantee that the contractor will perform the work they’ve been asked to do. For instance, say your pay a contractor to do a job and he never gets the permits or doesn’t pay a subcontractor – collecting from his bond can help cover these costs.

Hiring a contractor this way can be a great option to bringing some new changes to your home. It is possible to really save money on these services, but just using some simple, quick research and asking the right questions can save you a bundle as well as a headache.

When Is The Best Time To Do an Insurance Review With My Agent?

Truck Insurance Agency CaliforniaWorking with a local, independent insurance agency has many perks versus trying to figure out your insurance policy by yourself & purchasing it online. Not only do independent insurance agencies represent the top insurance carriers, but we can also act as your adviser. So, when should you take advantage of our expertise and do an insurance policy review?

Annual Review

Whether it’s your truck or business insurance policy, your insurance policies get renewed on the same month every year. This is probably the best time to reach out to your insurance agent regarding an insurance review. Did you premium go up? If so, reach out to us. We can re-quote you, often quoting several carriers at once. Then, we can shop to find you the best rate at similar coverage. Rates have been trending up, so it is possible your current carrier is still the best one.

At the Start of a New Season

This works best for all those individuals who own a boat, RV, ATV, motorcycle, etc. In many cases, individuals use their toys during the season and not year round. If this is the case for you, it might be best to ask your agent for an insurance review before you bring your boat, RV or ATV out to use for the season. A quick email or phone call is all it takes.

If You Have Multiple Insurance Policies

Did you know you can earn a nice discount by bundling your policies together? If you are a new college grad, you may be looking for renters insurance. Ask us if you can save money by bundling your renters and auto insurance together. Or, if you are looking to purchase an umbrella insurance policy to protect your assets, we may be able to score you a discount by bundling it with your auto or home insurance.

Updating Your Home

If you recently completed some major remodeling to your home, reach out to your insurance agent. We will want to ensure you have enough insurance coverage for all the changes you made such as custom cabinetry or new hardwood floors.

Life Changes

Whether you are working from home now and are driving less, recently got married or now have a teen driver in the house, we appreciate when you reach out to us! Not only can we look for discounts, but we can update your insurance policy to avoid any gaps in coverage.

We hope these examples encourage you to ask for an insurance review. As you insurance agent, we want to make sure you understand your current coverage and are getting the best coverage for your unique situation. We are here to help! Ask for insurance review today.