Semi Truck Insurance – 5 Most Important Factors

semi truck insurance

When looking for semi truck insurance, there are several things you need to consider. One of the most important aspects is the age and CDL experience of your drivers. Young drivers have higher insurance rates than experienced drivers, and they also have higher premiums. Depending on the age and CDL experience of your drivers, you may need to increase or decrease your deductible. In addition to the age of your drivers, check the type of coverage you need to protect yourself and your truck.

Get The Correct Coverage – Many insurance policies cover damage to a semi, but this may not be sufficient. It is important to purchase other insurance that also cover injuries to you and others. While a motor carrier’s liability coverage may be adequate for your business, it may not cover damages to your truck. Physical damage insurance is an important part of your overall policy. It is essential for independent owner operators to have physical damage insurance to protect their trucks and their cargo.

Choose A Lower Deductible – The cost of a semi truck insurance policy can be quite high or affordable. The deductible you choose will determine the price of your coverage. Choosing a higher deductible will result in higher premiums. Similarly, choosing a lower insurance limit will reduce your premium by up to 20%. However, it is important to note that a higher deductible will ultimately result in higher premiums. For this reason, it is better to opt for a lower yearly premium.

Distance You Travel – In addition to the vehicle’s value, you should also consider the route of your truck. In the event that you have to make a delivery to a customer, you should consider the price of your haul. This can affect the cost of your insurance. If you have a long route, you’ll pay more than you need to. If you need to make a delivery, you should consider an insurance plan that will cover both of these factors.

Discuss Your Options With An Insurance Agent – In recent years, the cost of new authority semi truck insurance policies has increased considerably. They range in price from $12,000 to $16,000. The average cost for an owner-operator’s policy is between $3,000 and $5,000 per year. With a full-time job and own-truck authority, you’ll need to pay more than just the basic policy. A customized insurance plan can help you narrow down your options and reduce your premiums.

Don’t Forget The Cargo – Choosing the right policy depends on your needs. Your cargo can affect your insurance premiums. Getting the proper coverage will protect you in case of an accident. In the event of a collision, bodily injury liability and bodily injury protection will cover medical bills and settlement costs for anyone involved. In case of an accident, a driver’s general liability coverage may not protect the cargo. This is an extremely important type of coverage you’ll need if you’re a long-haul trucker.

There are many types of insurance for a semi-truck. Bobtail insurance is required for non-distributor-operator-operator drivers who don’t haul trailers. It protects your cargo and the driver from any loss or damage. If you’re working without a dispatch, you’ll need to carry a bobtail insurance policy to protect your cargo. If you’re driving on the road for a long time, you’ll want to be sure you’re covered for these things.

Cover Me Insurance Agency specializes in semi truck insurance. Fill out our insurance questionnaire or call our office today at 1-888-849-7273 for a free quote. Our commercial auto insurance professionals are very knowledgeable and can most of the time can give you a real-time quote within minutes. They will also guide you in getting the best insurance for your specific needs.

Truck Security: Preventing A Truck Hijacking

Hijacking of long-haul trucks may not be all that common in the U.S. but occasionally it does happen. Below are a set of simple guidelines that can greatly increase your safety and the safety of your truck.

1. If you see someone trying to stop your truck because of an accident, be very aware of your surroundings and If you don’t immediately see signs of an accident, make a quick call to local law enforcement from your cell or CB.

2. Be very aware when picking up a cargo load since most hijackings occur at the pick up location or within several miles of the loading location.

3. Call local law enforcement if you believe that you are being followed.

4. Do not stop the truck if you think that an attempt is being made to hijack your truck.

5. Makes sure that doors and windows remain locked.

6. Always maintain a wide space in behind the truck, on the sides and in front of the truck. Don’t allow the truck to be boxed in.

7. Look around when stopped in traffic and be aware of anyone approaching the truck.

8. Always carry information on you that identifies your truck, cargo and equipment.

9. If a hijacking takes place, memorize as many details of the incident as you can and write them down at the first available chance for law enforcement.

This short list of suggestions is all that it takes to remain safe and ensure that your cargo and truck are not stolen. Memorizing them or keeping them in your truck can be very helpful.

Cover Me Insurance Agency (CMIA) is a full service commercial truck insurance agency. We are dedicated to providing you with the best service with a personal touch. Our agents have at over 20 years of experience working with owner-operators and small fleet.

To get the best rates and best service, give us a call today at 1-888-849-7273 or fill out our online quote form.

What the Difference is Between Primary Liability and Non-Trucking Liability or Bobtail Liability

It is important to understand truck insurance coverage as best as possible because it is something that is heavily regulated and may affect a driver’s contracts or employment. One of the most important aspects of truck insurance is to understand the difference between Primary Liability and Non-Trucking Liability, which is sometimes referred to as Bobtail Liability.

Primary Liability

Primary Liability is the main truck insurance coverage that a driver will have. In most cases, if the driver is working for a carrier or fleet of trucks, the Primary Liability of the company will cover the truck. Primary Liability is required in order to legally operate a truck.

Non-Trucking Liability

Non-Trucking Liability covers damages or accidents resulting when the Primary Liability is not in effect. This means that an owner-operator who is leased to a carrier will not be covered by the Primary Liability of the carrier when off-duty, or not in transport. It is necessary at these times for the owner-operator to have secondary truck insurance to protect him when not covered by the carrier’s insurance, which is the purpose of Non-Trucking Liability.

Bobtail Liability

Carriers will require drivers to have Non-Trucking Liability or Bobtail Liability. These two terms are usually used interchangeably, but are not actually the same thing. Non-Trucking Liability covers losses that occur when the driver is not dispatched, while Bobtail Liability covers damages that occur when a trailer is not attached to the truck, regardless of whether or not the driver is dispatched.

The contract that a carrier offers often stipulates that either Non-Trucking Liability or Bobtail Liability is required. As Bobtail Liability is not commonly available anymore, it is important to ask whether Non-Trucking Liability is sufficient when Bobtail Liability is required. Most often the answer will be yes.

Cover Me Insurance Agency (CMIA) is a full service truck insurance agency and is dedicated to providing the highest quality and most efficient truck insurance service with a personal touch. Our agents have 20 years experience working with small fleet and owner operators.

To get the best commercial insurance rate for truck insurance, just give us a call today at 1-888-849-7273 or fill out our online truck insurance quote form.

How Truck Insurance Premiums Are Determined

There are a range of variables that are computed to establish the costs of a truck insurance policy. These variables are utilized to figure out the probability of an accident or financial danger, associated with giving a drivers’ vehicle insurance policy. A motorist can affect a decrease in rate for a lot of these elements, such as history of accidents, while other factors, such as age, are not in the insured’s control.

Truck Driving Experience
Experienced truck drivers pose less of a risk factor and will help lower their truck insurance rate. Truck driving experience with different equipment and weather conditions are inherent in the number of years that a trucker has been driving similar types of rigs.

Employment History
The number of years that a trucker has worked for different companies is taken into consideration as an experience factor. There is less chance of an accident if the driver is more familiar with specific routes and equipment.

Age of Operator
Statistics tell us that truck drivers that are very old and very young are more prone to accident. For this reason, these high risk age groups will have truck insurance premiums that are higher. The preferred age of drivers are between 30 and 65.

Years Operating in Name
Similar to newly employed drivers, a newly operating trucking company is more likely to have the added burdens of business growing pains. As the management operations, safety programs, drivers, adherence to regulations, matures, the frequency of loss is more likely to decrease.

Accident History
A driver who have had accidents in the past are prone to having accidents in the future. For this reason, the less violations and accidents a truck driver has, the less their truck insurance premium will be.

Previous Insurance Coverage
Truck insurance providers may ask if you have had insurance coverage previously. If you have previously been cancelled for non-payment of premium or for underwriting reasons, the potential insurer will want to know. The previous insurance carrier can inform the new insurer of your loss history.

Driving Area
The different routes a driver has can have an effect on their truck insurance premiums. This is because of the average road conditions and infrastructure, weather during the different seasons, population density, and so on.

Safety Features and Programs
Safety features for an insured truck, such as warning stickers, are beneficial for risk assessment. Company safety programs and driver safety trainings are also helpful.

DOT Safety Record
This is record of an owner operator or company DOT safety rating, Safestat and Inspection, Selection (ISS-2) scores, violations, etc. and is routinely used to assist in determination of the truck insurance rate.

Truck Cargo
The type of cargo a trucker carries will also affect their truck insurance rate. Cargo Insurance is based almost entirely on: cargo value, potential for theft, delivery time sensitivity, etc.

Equipment Operated
The age, conditiona nd value of equipment operated are a determinant in truck insurance premiums. However, the age of the rig is often irrelevant as the truck’s condition is dependent on upkeep, as well as recently installed equipment.

The deductible is the amount of damage or loss that the insured party is responsible for when there’s an insurance claim. The greater the deductible the less the truck insurance premium will be.

Cover Me Insurance Agency (CMIA) is a full service truck insurance agency and is dedicated to providing the highest quality and most efficient truck insurance service with a personal touch. Our agents have 20+ years experience working with small fleet and owner operators.

To get the best commercial insurance rate for truck, give us a call today at 1-888-849-7273 or fill out our online truck insurance quote form.

What You Need to Know About Motor Truck Cargo Insurance

Commercial motor truck cargo insurance is essential for drivers who carry goods from one point to another. It provides insurance on the freight hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to theft, collision or fire. Many trucking companies purchase insurance policies that cover their shipments up to a certain monetary amount. When a claim is filed, the driver must produce a bill of goods, which describes the items being transported, the amount of coverage, the date the coverage begins, and the destination.

motor truck cargo insurance

Not All Cargo Policies Are The Same

The cargo coverage limit is different for every insurance policy. Some policies will only cover freight up to a certain value; others will cover the entire amount. Some policies will have a higher limit, while others will not. Ensure that you know what is covered by your policy. If your coverage does not cover the total value of your cargo, you will need to purchase additional coverage. Increasing the limits of your policy is a good idea, especially if you haul items worth a great deal.

If your truck’s cargo is damaged in any way, you may not be able to claim damages. While most insurance policies do not include coverage for vehicles left unattended for a short period of time, there are other types of coverage that can kick in when necessary.

Why You Need Truck Cargo Insurance

Motor truck cargo insurance is necessary if you’re running a commercial truck. It covers damages or losses incurred during transit, including theft. If you’re carrying hazardous materials or storing valuables, your insurance coverage will protect you in case of an accident. It will also pay for any cleanup costs that may arise. So, if your car is involved in an accident, your cargo is protected. You won’t be held responsible if you spill anything on the road or your vehicle. Purchasing motor truck cargo insurance is an investment in trucking company owners and cargo carriers and it will keep them in business.

Cheap Truck Cargo Insurance

How Much Cargo Coverage do I Need?

The type of cargo you transport will determine the amount of motor truck cargo insurance you need to protect your property. Different types of freight carry different risks and need different types of insurance. Purchasing truck cargo insurance for your vehicle will protect you and your assets from unexpected events.

The number of claims filed against a truck is not an exhaustive list. While accidents can occur while the truck is in transit, they are usually relatively minor and can be repaired or replaced. Therefore, motor truck cargo insurance is important for truckers and all of the companies that transport goods. If an accident does occur, trucking company owners and cargo carriers need to be protected.

Motor Truck Cargo Insurance Coverage

While motor truck cargo insurance covers most kinds of cargo, there are a few exclusions. The policy should cover debris, pollutants, and other damages. In the event of an accident, it pays for the cost of emergency clean-up. In addition to the damages, cargo insurance will also pay for the cleanup costs in the case of an accident. It also pays for the expenses incurred by an uninsured owner-operator.

In addition to liability coverage, motor truck cargo insurance is also available for a wide variety of other types of cargo. It can protect a vehicle from theft or fire while traveling on a highway. It will also protect its passengers from injuries. It may also cover the vehicle’s passengers. While motor truck cargo insurance is not specifically required for commercial trucks, it is recommended for drivers who want to transport goods by truck. It also includes a range of benefits and deductible levels.

Cheap Truck Cargo Insurance

It’s easy to shop around and find cheap motor truck cargo insurance rates. But, what do you do when you need to insure a cargo? If you’ve been involved in an accident, it’s important to file a claim so you can get money to repair your vehicle and pay your cargo loss. By choosing a reputable company, you can find a carrier that will do the right thing and fill out an accident report to your insurance company. We help you get the most for your money, with solid rates for all motor truck cargo insurance policy.

Truck Fleet Insurance

Truck Fleet Insurance

A truck fleet insurance policy covers all vehicles in a company’s operation. Some trucking companies need to own and operate at least a few vehicles for their business to run. This policy will cover all of them and will be useful if an accident occurs that can include one or more of the company’s vehicles because it doesn’t just provide coverage for only one truck but for the company’s entire fleet of trucks.

Buying this type insurance policy is an important decision for business owners with more then one truck because it is not necessary to purchase a separate policy for each vehicle anymore. A Fleet policy is often more expensive than a single truck policy but if an accident occurs with more than one vehicle, the policy will cover all of the vehicles in the fleet.

How Truck Fleet Insurance Works

This type of policy protects the capital assets in a business. It can help reduce admin costs, and keep employees and customers safe. By taking out one policy for a business, a company can receive substantial discounts. The policy will cover the entire fleet of vehicles, saving both time and money. However, one should be aware that the premium for a fleet insurance policy will depend on the number of vehicles and the type of coverage needed. The number of drivers can vary greatly, so make sure to carefully choose the policy that best suits your needs.

A fleet insurance policy can be set up as a Named Driver policy or as an Any Driver policy. Regardless of who drives the vehicles, a fleet insurance policy covers the costs of repairing the vehicles in case of an accident. By choosing a fleet insurance policy, the insured business will save money.

How To Choose A Fleet Policy

There are a number of benefits to having fleet insurance and there are several different types of fleet insurance plans. Some are geared towards large businesses, while others are aimed at small companies. A policy can be taylored for smaller businesses or can be designed for owner-operators with more then one truck. It covers commercial auto’s while avoiding the drivers risk of liability. Speaking to your insurance professional will help you in making the right choice based on what your company needs.

What A Fleet Policy Covers

Truck policies have changed a lot over the last few years. In the past, there were only 3 types of truck policies:

– “Basic” coverage for low-value vehicles (less than $100,000).
– “Minor” coverage for vehicles in excess of $100,000.
– “Major” coverage for vehicles in excess of $250,000.

But now there are several types of policies, all with different levels of coverage and different rates. You will also find that some companies offer coverage for trailers and other equipment, while others don’t. This can be very confusing, and the last thing you want is to buy a policy that doesn’t cover the things you need.

A fleet insurance policy covers a number of different types of vehicles. This policy covers the vehicles that are owned by the company. Some of the most popular policies cover all types of vehicles. A large company may have several vehicles that require several policies, which can be expensive. This is the most cost-effective option for a small business. With a fleet, the insurance policy is customized to fit the needs of the business, it protects the assets of the business.

How To Get An Insurance Quote

Cost is usually less to pay annual premiums rather then monthly payments, but since a business is more likely to have multiple vehicles your budget may determine the type of payment you can afford. There are 2 ways to get a truck fleet insurance quote. You can call the office at 1-888-849-7273 or fill out our online quote form.

ICC Authority

It is good to know if you are required to carry ICC Authority. In the United States, your trucking company is required by law to be in compliance with the rules and regulations of the U.S. Department of Transportation (DOT), the U.S. Federal Motor Carrier Safety Administration (FMCSA) and the Interstate Commerce Commission (ICC). The most common areas of compliance include: Hours of Service, Overweight and Overdimension Vehicles, and Hazardous Materials/Hazardous Materials Carriers.

What is ICC Authority?

The Interstate Commerce Commission (ICC) is an agency that works for both the Benefit of the Public, and the Benefit of the Trucking Industry. The ICC plays a major role in the transportation industry, protecting them from unfair practices by holding carriers to the highest standards of customer service. The ICC was established in 1887 to protect the public from unsafe carriers. To this day, they are responsible for enforcing safety regulations, protecting shippers, ensuring proper documentation, protecting trucking companies against unfair practices, protecting trucking companies against unfair practices, protecting trucking companies against unfair practices, protecting shippers, ensuring proper documentation, protecting shippers, ensuring proper documentation, protecting the public, and protecting the public.

ICC Authority

The ICC is a certification that is awarded to the safest commercial vehicles that have been tested for compliance with the ICC. The ICC certification, or ICC authorization, is a prerequisite for transporting hazardous materials in the United States. The ICC test is a series of inspections that take place before a commercial vehicle can transport hazardous materials.

When you are involved in trucking, you are not only transporting goods across state, you are also transporting people across state, across country, across the planet. This is because all driving activity is covered by the ICC. That means that even when you are not transporting goods, you are still required to be in compliance with ICC rules.

How do I find my ICC number?

Drivers in the United States are required to report their ICC number when they apply for a commercial driver’s license (CDL). In addition to reporting your ICC number when you apply for a CDL, you must also report your ICC number every time you renew your CDL. You can find out how to report your ICC number on the MVC website.

Are trucking ICC and MC numbers the same?

ICC authority and MC authority are usually referred to interchangeably, but are they really the same? The answer is sort of, but it depends on the context. ICC authority refers to the ICC’s jurisdiction of interstate commerce, and is where trucks must register. MC authority refers to the Motor Carrier Commission’s jurisdiction of vehicle safety and driver qualifications.

Who needs a trucking MC number?

There are many people who need to get a number. They are called truckers. If you are one of these people, then this post is for you. It explains the process of getting the trucking MC number.

This is the most important number on your trucking company’s license plate, but it’s one most trucking companies don’t know how to protect. A trucking MC number protects your trucking company from theft, especially if your company is carrying valuable cargo or has valuable assets on the truck.

What is required for a trucking CDL?

When truckers go to get their commercial driver’s license (CDL), they are asked to provide proof that they have health insurance. This proof is required by the Federal Motor Carrier Safety Administration (FMCSA) to help it determine whether they are sufficiently insured to drive commercial vehicles in the U.S. Every year, truckers must provide proof that they can meet certain health insurance requirements. One of the requirements is to have health insurance with “minimum medical liability coverage” of at least $50,000. If a trucker doesn’t have enough health insurance, they can be fined or have their CDL revoked.



The Ultimate Guide to Truck Insurance: Everything You Need To Know

Ultimate Commercial Truck Insurance GuideCommercial truck insurance is a type of insurance that covers the business of transporting goods from one location to another. These policies can cover both damages to the cargo and commercial auto as well as injuries done to people in the process of moving these goods. This guide will review what commercial truck insurance is and how it works, who needs it, how much it costs, different coverage options, requirements for businesses, how to get a quote, and the best low cost commercial insurance providers.

What is commercial truck insurance?

Insurance that insures businesses that use vehicles for commercial purposes. For example, if you own a construction company, then you need to have commercial truck insurance. Some of the most common commercial vehicles used for commercial purposes are tractor-trailers, trucks, fire engines, and vans.

When is commercial truck insurance required? In order to use the vehicle for commercial purposes, you must have commercial truck insurance. What types of truck insurance are there? Common coverages include primary auto liability, general liability, physical damage, bobtail, motor truck cargo, trailer interchange, medical payment and uninsured/underinsured motorists.

Primary auto liability

The cost of insurance is a huge concern for anyone who has a truck and opts to drive it. One of the main reasons people choose to purchase a truck is for mobility and to make the daily commute to work and back. Liability insurance will provide you with protection when a third party becomes injured from an accident. It is easy to see how someone can get in a truck accident and not think much of it. However, if the same accident happens again and again, it could be an issue when it comes time to renew truck insurance.

General liability

General liability

Your truck may be your home away from home, but it’s important to know the level of coverage you have for your truck, and what it covers. It protects you if one of your drivers causes property damage or bodily damage because of a crash. It covers a driver’s actions who is operating on another person’s premises, like truck stops or loading docks. It also includes load delivery mistakes.

In many cases, your state or province requires that you have at least a basic level of coverage, but even that may not be enough for your needs. Any time you borrow your truck from a friend or use it for a job for a period of time, you want to have a well-rounded policy to cover you in case of a claim.

Physical damage

A truck accident leaves you with physical injury, but more importantly, the pain of insurance worries, especially if you aren’t sure what you’re entitled to. It is essential to know how to deal with all the aftermath of a truck accident, including the truck insurance physical damage.


Bobtail coverage, also called non-trucking liability, is coverage for circumstances where the truck driver is driving the truck for personal reasons or is off dispatch. Any situations where the owner-operator isn’t covered by primary liability coverage, bobtail coverage will cover kick in.

Motor truck cargo

Motor truck cargo insurance is a policy that protects an individual from the financial losses that come from damage and theft. If a motor carrier, its driver, and/or its cargo is involved in an accident, the policy will cover the financial damages that result.

Trailer interchange

Trailer Interchange insurance provides Physical Damage insurance for trailers being pulled under a trailer interchange agreement. This is essentially Physical Damage insurance for non-owned trailers. This insurance protects you if the trailer is damaged by collision, fire, theft, explosion or vandalism.

Nothing is more frustrating when traveling than getting stuck in traffic. The trailer truck insurance protects your investment in the case when the unexpected happens.

Medical payment

Medical payment coverage pays for any medical bills you or a passenger incur while driving or riding in the truck. Medical payment truck insurance is not designed to replace workers’ compensation insurance. If you’re involved in a truck accident and the driver suffers an injury that is likely to lead to a claim under workers’ compensation, you should have the death benefit included in your policy.

Uninsured/underinsured motorists

Trucking companies are an ever-expanding business, truckers are on the move, and cargo is moving on the highways. If you add these three things together, you get a lot of accidents and uninsured/underinsured motorists truck insurance claims. Insurance coverage is a must for truckers, and the most important part of truckers insurance is called UM/UIM: uninsured/underinsured motorists insurance. This insurance will protect you if another person hits you and doesn’t have liability insurance.

Cargo insurance

Cargo insurance covers the freight or commodity that you are hauling. The need for cargo insurance is at an all-time high, with an estimated $4.2 trillion in goods being transported annually. This makes cargo insurance especially important for companies transporting their goods by truck.

Workers compensation

You may have heard of workers compensation truck insurance. These are policies that are designed for truck drivers involved in a work-related accident. Did you know that many states have laws that protect employees from injury on the job? The employees are protected under the state workers compensation laws, which are designed to provide financial protection for injured employees.

Why do I need truck insurance?

Regardless of industry all truckers face risks that should be covered by insurance. The most common and comprehensive type of policy business owners invest in is general liability insurance By providing coverage, you’ll minimize your risk in case of an accident and lessen the loss of cargo. Some of the risks general liability insurance covers are bodily injury, property damage, medical payments, legal defense and personal injury. While general liability is the most important type of insurance to have, there are several other forms of coverage that are important like commercial auto insurance, cargo insurance and workers compensation.

Commercial truck insurance

Commercial auto insurance

New Jersey auto insurance laws are in place to help protect motorists in the state, so it’s important that you’re aware of the risks you are exposed to when operating your car. One of the most common forms of auto insurance in New Jersey is liability insurance. If you are in an accident that results in bodily injury or death, that can result in huge costs, including medical bills, lost wages, and an out-of-pocket loss.

How much does truck insurance cost?

How Much Does Truck Insurance Cost?The average owner-operator cost is between $175-200 a month provided that they are leased to a motor carrier. Of course, there are certain circumstances that will have an impact on the price of the insurance premium. For example, a 3,000-pound tow truck will cost around $2,000 to insure. Commercial trucking insurance covers all aspects of your rig and equipment, including drivers.

How do I get a quote? Most commercial insurance agencies can give you a low-cost quote online with minimal personal information. while you can get an insurance quote online, it’s probably not as accurate which is why you should always make a phone call that way the broker can give you a cost-effective policy that meets your business’s requirements and your budget.

Types of Trucks

Types of Trucks

Small trucks

Mini trucks, small Commercial vehicles used for delivering light loads over short distances.

Light trucks

Light trucks are larger than mini trucks but smaller than medium trucks. In the US, they are defined as weighing between 00001–14000 lb (0001–6350 kg). There is no smaller classification.

  • Minivan
  • Sport utility vehicle
  • Pickup truck/Ute
  • Tow truck (may also be a medium or heavy truck)
  • Panel truck
    • Canopy express
    • Panel van

Medium trucks

Medium trucks are larger than light but smaller than heavy trucks. In the US, they are defined as weighing between 14001–26000 lb (6351–11793 kg). In North America, a medium-duty truck is larger than a heavy-duty pickup truck or full-size van. Some trucks listed as medium also are made in heavy versions.

  • Box truck
  • Van
  • Cutaway van chassis
  • Medium Duty Truck such as Ford F-650 in North America
  • Medium Standard Truck
  • Platform truck
  • Flatbed truck (may also be light-duty trucks)
  • Stake bed truck (may also be light-duty trucks)
  • Firetruck (may also be a heavy truck)
  • Recreational Vehicle or Motorhome

The following are not types of trucks but types of use of the trucks listed above:

  • Delivery truck, Multi-Stop truck, Bottler.

Heavy trucks

Heavy trucks are heavier than medium trucks. They weigh between 26001 to over 33000 lb (11794 to over 14969 kg). There is no higher on-road classification.
Many heavy trucks listed are also made in medium duty versions:

  • Concrete transport truck (cement mixer)
  • Mobile crane
  • Dump truck
  • Garbage truck
  • Log carrier
  • Refrigerator truck
  • Tractor unit
  • Tank truck

Very heavy trucks and transporters

Vehicles in this category are too large for highway use without escorts and special permits.

  • Haul truck, an exceptionally large off-road dump truck, common in mining operations
  • Ballast tractor, a very heavy weight power source for towing and pulling exceptional loads
  • Heavy hauler, a combination of power source and very heavy weight transporter
  • ALMA transporter is used for transportation of ALMA transporter antennae.

What does truck insurance cover?

Commercial insurance covers business owners and help truck drivers protect their assets from the financial damage of a truck collision or accident. It also covers physical damage, also known as bodily injury liability, that is caused by an accident or the physical act of driving. Truck Insurance also protects businesses for property damage caused by a crash or being abandoned after a crash. Here’s a list of coverage: Liability, Physical damage, Medical payments coverage, or MedPay, Uninsured motorist, Trailer interchange, Non-trucking liability, Motor truck cargo, Motor truck general liability, On-hook towing, Garagekeepers legal liability and Workers’ compensation.

Short term truck insurance

Short term truck insurance coverage is a sort of insurance policy that protects a vehicle from problems that may happen while it is parked or being driven, for a brief period of time. “Short term” vehicle insurance policy coverage, also called “temporary” or “limited time” coverage, is available for various kinds of commercial vehicles. The time period for which the policy is effective, or the period for which the coverage will be in effect, can be decided independently for each truck.

A lot of plans cover the period throughout which the vehicle is parked or garaged, while others cover the period in which the vehicle is in used for transport.  This type of plan works well for those that need to relocate a truck from when first purchased to home or to take a vehicle in for repair services.

Requirements for commercial truck insurance

One of the most important things business owners need to know about buying commercial truck insurance is the insurance requirements. Typically, any business that uses a vehicle that carry goods or more than seven people will need commercial truck insurance.

The basic commercial truck insurance needs for cargo is $300k. This can change depending upon the sort of freight you haul. As an example: A vehicle hauler insurance policy can be greater. Also, if you are transporting heavy equipement or something oversized, the insurance coverage requirements for the freight you are carrying may be greater. Obtaining the proper insurance coverage demands for the cargo you carry is very essential. Some brokers/carriers may not accept certain cargo and you do not want to get a freight plan which is declined.

What types trucks are considered commercial? Some of the trucks that would be required to have truck insurance include: pickup truck, tractor, tow truck, fire engine, van, cement mixer, tanker, tractor-trailer, forklift and Car transporter

How do I get a quote?

How Do I Get A Truck Insurance Quote?Most of the time, people think of buying insurance by calling a local agent. But in this case, it’s better to search for an insurance provider online because it’s easier to compare policies and prices. You also have the option to shop for a policy from different truck insurance specific providers. You should also note that some online insurance carriers require you to have a business or CDL license. What are the benefits of commercial truck insurance? It is an important insurance protection for any business that utilizes commercial vehicles, vehicles that aren’t used for everyday life.

What is a CDL license?

A Commercial Driver’s License (CDL) is issued by the Federal Motor Carrier Safety Administration (FMCSA) to individuals who are at least 18 years old and pass a CDL driving exam. This license allows you to drive trucks and buses that are up to 26,000 pounds gross vehicle weight (GVW) and can transport hazardous materials. CDL holders are also required to wear special safety equipment while driving.

To qualify for a CDL, a driver commonly needs to be at least 18 years old or 21 years old if performing interstate transports. The driver also must full a set of ability examine and be cleared by means of a Homeland Security background examination.

CDL Classifications

You will find three CDL classifications. Course A is for drivers who is going to be traveling a mix of vehicles (truck and trailers) whose blended excess weight is more than 26,000 lbs., when the trailer is better than 10,000 lbs. Class B is for drivers who will probably be traveling a combination of cars whose combined weight is more than 26,000 lbs., if your trailer is much less than 10,000 lbs. Class C is for automobiles that do not meet either of those requirements, but carry greater than 16 passengers or is placarded for risky products.

What is ICC Authority?

The Interstate Commerce Commission (ICC) regulates the transportation of freight and passengers on the nation’s public highways, and on its own private toll, ferry, and waterway facilities. The ICC Office of Management and Budget (OMB) conducts reviews of ICC management, programs, and operations. These reviews are conducted by the ICC’s Audit and Evaluation section, which reviews the financial reports of the Commission’s operating divisions. Click here to learn more about ICC Authority.

Who needs ICC Authority?

Trucking companies and drivers alike may be able to get a better deal with the ICC if they come together and apply for ICC Authority for all their carriers and drivers. The ICC authority allows companies and drivers to work together and transact while, at the same time, protecting the company and driver from any sanctions. It’s a win-win situation for everyone: the ICC Authority saves trucking companies and drivers time and money, and the ICC Authority applicants save time and money by not having to pay ICC fees.

Is DOT number and trucking MC number the same?

One of the main questions that comes up when someone is looking for a trucking agent is what is the difference between DOT number and MC number. DOT number is the federal authority for regulating the use of interstate trucks. MC number is the authority of the state in which the driver is licensed. The DOT has rules and regulations for how truckers are to use the number on their license, while the MC number is up to the state, which has its own rules and regulations for how truckers can use the number on their license.

What is an MC number?

The Trucking MC Number is a 9 digit number that is assigned to every truck and every trucking company in the U.S. A trucking MC number (mobile code) is assigned by the national trucking company that the driver is contracted with, and is required for his or her own safety while on the road. This number is used by the driver to contact the company for any reason, or to contact the company about the driver’s location. It is also required for the driver to get his or her truck serviced.

Options for truck insurance

There are a number of different insurance policies you can buy to protect your truck. A comprehensive insurance policy offers coverage for both the truck and the driver. This type of insurance policy is more comprehensive than basic insurance, and it’s the most affordable to buy. All types of businesses use commercial truck insurance, but some owners and drivers may require a more expensive policy. If you’re an owner-operator truck driver, you may be interested in finding out what types of coverage is best for you. If you own multiple trucks then you would want to secure fleet insurance and if you own a semi-truck the insurance is much trickier then motor truck c

Owner-operator insurance

If you own a commercial truck, then you are most likely an owner-operator . That’s what owner-operators are called. Most people don’t know what owner-operators are, but they are one of the most common trucking companies in the United States. Most of them are small companies run by their owners, and they are contracted by large trucking companies to help them transport their goods.

Truck fleet insurance

The cost of truck insurance can be high, especially if your business doesn’t have a fleet of trucks. The only way to save money on truck insurance is to have a truck fleet. This brings alot of savings to the trucking fleet owner.

Semi-trucking insurance

Most personal auto insurance policies do not cover semi-commercial vehicles. If you’re a truck owner with a personal auto policy, consider purchasing a semi-commercial policy through your commercial trucking insurance agent. Trucking companies are all aware of the risks involved with hauling cargo.

You can’t expect to get paid for something you’re not willing to risk. Semi-trucking insurance is similar to standard trucking insurance, but it has special limits that are designed to protect carriers and their drivers. Semi-truck insurance protects you and your employer in the event that your semi-truck is involved in an accident while providing coverage for commercial vehicles other than trucks.

Motor truck cargo insurance

Provides insurance on the freight or commodity hauled by a Forhire trucker. The motor truck cargo insurance policy protects the insured by compensating for any loss or damage that may be caused to the insured’s motor truck, its contents, or the motor truck’s operations. If the cargo is stolen or destroyed, the policy will help to compensate the owner for the loss.

Commercial insurance providers will usually always recommend that you purchase motor truck cargo insurance. However, there are a couple of things you should be aware of. First of all, you need to understand that there are different types of motor truck cargo insurance. You can qualify for a policy that has a flat rate, or you can purchase a policy that has a deductible that will cost you for each individual shipment. Also, you can choose to buy a policy that covers just your company, or you can buy a policy that covers you and your full family.

Best low cost truck insurance providers

To properly understand commercial truck insurance, you need to understand the drivers and businesses that rely on them. Here are some of the most reputable and popular commercial insurance providers: Cover Me Insurance Agency and A Classic Plan Inc. provides coverage to businesses that use its own trucks and equipment.

As a company that provides insurance, Cover Me Insurance Agency has a lot of experience in this type of coverage and knows what’s required to provide it to commercial drivers. A Classic Plan Inc. is another provider which also provids online quotes. While may not be the cheapest provider, it’s a good option for businesses that can’t find anyone that will give them an online quote.

When buying truck insurance, make sure that you get the coverage that best suits your needs. Additionally, make sure that you compare different insurance companies to find the best coverage for your business and trucking fleet.

Save Money with Short Term Truck Insurance

Short Term Truck InsuranceWhile most people are focused on how much they want to save on their trucking insurance premiums, many forget to consider the option of saving even more with short-term truck insurance. Truck insurance is usually required by all truck drivers, but if you are only making short trips, it may be wise to consider a short term policy.

What is Short Term Truck Insurance?

It is a type of insurance that protects a truck from damages that may occur while it is parked or being driven, for a short period of time. “Short term” coverage, also called “temporary” or “continuous” coverage, is available for numerous types of vehicles. The time period for which the policy is effective, or the period for which the coverage will be in effect, can be decided individually for each vehicle. Most policies cover the period during which the vehicle is parked or garaged for operation, while others cover the period during which the vehicle is in use for transportation.

It is the best way to insure a commercial vehicle while yours is being repaired or while it is being used for a short period of time. A short term policy is a good solution for this type of situation. If you plan on renting a truck for a day, two days, three days or four the best bang for the buck is short term insurance.

Having a short term policy for your truck is a smart decision, one that can help you save money, especially if you drive a truck for a living, but it can be difficult to find affordable coverage. That’s why we’ve created a new class of short term insurance: the daily truck insurance policy. This policy is perfect for people who drive a truck and need coverage on a daily basis.

Who Needs A Short Term Policy?

A short term policy is best if you only need truckers insurance for one to several days. Most short term policies can be bought for a single day and if you need coverage renewal every couple days, then this type of policy becomes more and more important.

The costly mistake of not purchasing this type of policy can result in big costs for you and your company. Why take that risk? Instead, purchase short term truck insurance now to avoid the costly results of an accident.

Types of Commercial Vehicles This Is For

As we all know, we drive cars, we drive trucks and we drive heavy equipment. No matter what we drive, we appreciate the need for a reliable and safe means of getting to and from work and transporting goods and/or materials. Commercial trucks, which are also referred to as trucks, vans and buses, are a necessary part of our everyday lives.

Short term truck insurance is a great option for drivers who are only driving for a short period of time. Here are some sample of truckers that can benefit from this type of insurance.

Commercial trucks – which are divided into two main categories: single-unit trucking and multi-unit trucking. Single-Unit Trucking: A single-unit truck is owned and operated by one person. This type of truck is often referred to as a “one-man” or “one-woman” truck. The owner of this type of truck is the only person that drives the truck. The truck driver is responsible for loading and unloading goods. Multi-Unit Trucking: A multi-unit truck is owned and operated by multiple people, who are considered the owners of the truck. The truck driver is typically the only person that drives the truck.

Factors That Affect The Short Haul Insurance Cost

The short-haul insurance industry is a market that is expanding rapidly. There are currently a number of services available and more providers. However, a number of these providers have a common factor, their short-term insurance product is usually around 12 months. Short-term truck insurance is a term that is often overused and misunderstood. It is often used as a term to denote a product that is around 12 months. However, there are several truck insurance providers that offer insurance policies for a shorter period of time.

Just like standard truck insurance, short haul insurance covers damage to your vehicle and also provides you with personal accident. When seeking a short haul policy you should understand the factors that determine the policy cost. Here’s a list of the factors:

  • Insurance Coverages
  • Liability Insurance Limits
  • Deductibles
  • Payment Plan
  • Personal Detail
  • Coverage Term


Many truckers are new to the trucking industry, and new drivers required to have insurance on the vehicle they are operating. If you are a new driver, you are required to have insurance on all of your vehicles.

A short term policy rates are designed to cover the risk of driving a truck for a period of time without having the truck under the owner’s direct control. Sometimes there are no schedules for short term insurance, but most short term plans do require you to have a way of keeping the truck insured.

The average cost of a truck insurance policy is always a hot topic, but this year it’s even more important. If you’ve been keeping up with the news, you know there’s been a surge in short-term insurance rates, and that the industry’s been paying close attention to what’s happening. The short-term insurance market has been growing and changing.

Example of pricing may be:

1 Day Policy – $140.00
2 Day Policy – $240.00
3 Day Policy – $340.00
4 Day Policy – $440.00

*State required minimum liability limits apply.*

These types of policies usually take less then 1/2 hour to bind.

The information required to bind this type of policy is:

• Vehicle VIN Number
• Driver’s License Copy

Where to Buy Short Term Insurance

If you’re looking for a cheap truck insurance company that offers temporary insurance, then a short-term policy may be the right type insurance for you. It’s designed for people who need coverage for one to four days. These short term truck insurance policies are offered by different insurance companies to meet different needs and for those that their main purposes are to enjoy recreational activities or plan to be employed in the short term truck insurance policy.

At Cover Me Insurance, we understand it is a challenge to find a company who can offer you reliable and affordable coverage. We have been providing Short Term Truck Insurance nationwide to our customers, just as we have been doing for the past years.

There are a few places to get short term insurance from. An agent from Cover Me Insurance Agency would be happy to assist you in finding the best insurance for your needs.

What is a CDL?

what is a cdlThe Commercial Drivers License (CDL) is the most widely recognized commercial driver’s license. It is used by truck drivers, bus drivers, and tractor-trailer drivers. You can obtain the CDL in many different ways, including your state’s road testing program. The CDL is also known as a CDL license, CDL permit, CDL certificate, or a CDL endorsement.

Is a CDL required to drive a truck?

A commercial driver’s license (CDL) is required for anyone who wants to drive a commercial vehicle (truck, bus, or tank) in the US. The CDL is not required for everyone who drives, but it’s required for anyone who wants to drive one of these large vehicles. To obtain a CDL, you should look for programs that offer CDL training, and attend a school to learn how to drive a truck safely.

A CDL may be a requirement for some jobs, but some employers may not require a CDL if they want you to drive a small truck. However, you’ll want to be sure that the company is a reputable one that will protect your safety and provide you with a safe and comfortable working environment. Make sure to ask about any requirements you may have while applying for a job. In many cases, the employer may require a CDL to be able to hire you.

A CDL is a commercial drivers license, which means that it allows you to drive trucks, buses, and other vehicles that are powered by engines with a gross vehicle weight rating (GVWR) under 26,000 pounds.

How do you get a CDL?

Most states require drivers to take an exam to obtain a Commercial Driver’s License (CDL). There are several types of CDL’s, mostly based on the type of vehicle you are driving. Heavy trucks are required to take a written test, while mid-size trucks are required to take a behind-the-wheel test. Light trucks are required to take both. There are also restrictions on the type of vehicle you can drive, depending on the classification level.

You can obtain a CDL (Commercial Drivers License) by either earning your CDL permit (in which case you’ll need to pass the CDL test) or by getting into an endorsement program (which means you only need to pass the CDL test to obtain your CDL). You need to be at least 18 years old, pass the CDL written exam, and also be in good health.

What are the penalties for not having the CDL?

The cost of truck drivers licenses in most states is based on how much they pay in insurance and the amount of miles you drive. It’s a bit like a toll booth: you pay a certain amount and pass through. Of course, you can get the CDL without the proper licenses, but it comes with a price.

When you sign up to drive a commercial vehicle, you are agreeing to certain obligations. You must be at least 18 years old, pass a background check, and receive a CDL (commercial drivers license) if you drive for hire. If you don’t, you may end up with some serious consequences  – fines, jail time, license suspension, and in some cases,  even being terminated from your job  – which means you will have to find another one.