Deceased trucker discovered in rig on side of road

A truck driver was found dead in his rig on the side of a road in Florida early Thursday.

The incident happened on October 18th in Ocala, Florida at around 3:50 a.m.

Ocala police say that the semi truck was traveling west along Northwest Blichton Road when the rig suddenly swerved off the road and struck a pole, slowing it down before it came to a stop in the 3700 block of the road.

Several people at the gas station across the street noticed this occurrence and called 911, reported The Ocala Star Banner.

When police arrived, they discovered 60-year-old Tim Davis dead inside the cab of his rig.

Upon investigation, they discovered that Davis had left home and driven to Butcher Transportation Services Inc., his employer, picked up some water, and was on his was to Orlando when police believe he suffered some sort of medical condition, which took his life.

The incident is still under investigation.

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Tips To Find A Truck Insurance Broker

Are you paying too much for your truck insurance? Read these tips to learn how to find a good price and a coverage that actually corresponds to your needs. Learn which factors determine how much you will pay in premiums and what your policy really means. Make better choices thanks to these tips.

When you are buying a truck, be sure to check on the insurance rates. An insurance agent can let you know which models have the lowest rates. That advice will help you make an informed decision about whether it might be a better deal to buy a formerly owned truck, rather than a new vehicle. The higher its safety rating, the lower your premium.

If you are the head of the family purchasing truck insurance for your spouse and/or children, you can save money on your premium payments by bundling the policies. Instead of giving each driver his or her own insurance package, make sure everyone is insured with the same policy. This will save time, money, and allow for future group discounts.

Check out your state’s minimum insurance guidelines, and follow them. Some states only require you to have liability coverage, but others require personal injury as well. Make sure you know your state’s practices so that you do not fail to meet them, and end up with a ticket for not having enough coverage.

Taking the towing option off of your policy will save you money on your premiums. In the case of an accident, towing is generally covered even if you are not paying for the towing option. If you take care of your truck and understand how to fix small problems like a flat tire, you will never need to use the towing option and can save yourself up to 30 dollars a year.

Know what the different types of coverage are and what types are available to you in your state. There is body and and property liability, uninsured motorist coverage, coverage of medical expenses, collision and comprehensive coverage. Don’t assume your plan includes all types of coverage. Many insurance companies offer a la carte plans.

If you’re searching for lower rates, you might want to consider driving less. Simply put, if you drive less, your chances of an accident decrease. Most companies have low-mileage discounts for people that have a short commute or drive only a few miles a year. Ask your insurance company and see if you can receive that discount.

Be aware – there are certain aspects of truck insurance – which each state requires truck owners to have. It is important to know this because you do not want to get in trouble for not having these aspects. If you are unsure of what these requirements are, you may want to contact your truck insurance agent.

Look for an insurance that offers an accident forgiveness option. If you get into an accident, your premium will not go up. Accident forgiveness works in certain situations: make sure you qualify for it before requesting it. Usually, you can get accident forgiveness if you have a good driving record.

Check your own driving record. Obtain a copy of your driving record and go over it. Truck insurance providers will be checking your driving record and will determine how much to charge you from that information. Check your driving record for any errors. Errors sometimes happen and you don’t want to end up paying more because of them.

One tip to lower your truck insurance costs is to keep a good FICO score. Truck insurance companies are starting to look at your score and you will want to have a good one so you can save some extra money. If your score is on the low side work on it to make it higher.

In order to protect yourself and your truck with the best insurance must understand the difference between the types of liabilities and which policies cover them. This is because there are major differences between coverage for basic bodily injuries, damage to the truck, and in the worst case, major medical problems to you or the other driver. If you aren’t properly covered in these cases it could be a major problem.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

Truck insurance is a legal requirement, but this does not mean you should pay too much for it. By following these tips, you will be able to find the best policies for your situation. Keep in mind the simple things you can do to keep your premiums from getting too expensive.

Dupre Logistics Recognized By Texas Motor Transport Association

Earlier this week the Texas Motor Transport Association announced the recognition of Dupre Logistics for their performance for outstanding achievement in highway safety at the annual Safety and Maintenance luncheon in San Antonio.

Seeing recognition for the 10 Million Mile class, Dupre Logistics was awarded the outstanding achievement in safety alongside the American Trucking Association and the TMTA.

Dupre Logistics reports that the company’s field safety supervisor, Stephen Murray, was present at the luncheon to accept the award for the outstanding achievement in highway safety.

“It is truly an honor for Dupré to receive such an award from the Texas Motor Transport Association,” said, vice-president of safety and risk management at Dupré, Al LaCombe. “Each employee is a true steward of the safety programs here at Dupré — which are overseen from the top down but work daily from the bottom up by job experts completing each task safely, one at a time.”

More information on Dupre may be found at the company’s site.

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Independent insurance agent group adds one more

Erie Insurance has announced that another independent insurance agency has joined its network.

Fairport, NY-based Fujimura Insurance Agency is the latest member to join Erie’s network. Fujimura Insurance offers a wide range of commercial and personal insurance, along with professional consultations and services.

“We are honored to partner with Erie Insurance as a local agency and work hard with the 94-year-old company,” said Fujimura Insurance Agency principal Robert K. Fujimura in a statement. “We will be working hard to continue to grow the presence and the scope of the Rochester Region for the company as we offer distinctive insurance products to the area.”

Fujimura Insurance Agency will continue to be based in the Fairport, NY area, serving the Greater Rochester Market.

Currently, Erie Insurance in Erie, PA has 12 operations in 12 states and the District of Columbia. The Fortune 500 company is rated A-plus by A.M. Best and is considered one of the 20 largest P&C insurers in America.

In April, a J.D. Power study found that Erie Insurance led the industry in terms of customer satisfaction in the auto insurance purchase experience, with a total satisfaction score of 877 out of 1,000. This is Erie’s sixth straight year earning the distinction.

Protect Yourself And Your Truck With These Insurance Tips

State law mandates that you purchase at least the minimum truck insurance package, not only to protect yourself when driving, but to protect other drivers on the road. This leads some people to make hasty decisions with their coverage. Find out what you need to know about truck insurance by reading these tips.

When trying to get a lower rate on your truck insurance, don’t be afraid to shop around. Truck insurance companies use different formulas to calculate who is a higher risk driver and therefore who has higher premiums. Even a slightly different set of questions could mean big savings for you.

When shopping for a new truck, be sure to check with your insurance company for any unexpected rate changes. You may be surprised at how cheap or expensive some trucks may be due to unforeseen criteria. Certain safety features may bring the cost of one truck down, while certain other trucks with safety risks may bring the cost up.

If you own a small business requiring the use of company trucks, vans, or trucks; business truck coverage is a must. Business truck insurance coverage can usually be added to a business insurance package made available by insurance companies. If you or your employers are driving company vehicles, it is critical that you are covered in case one of them gets into an accident.

If you are a senior citizen and you own your truck but don’t drive very much anymore, then you may be able to save on truck insurance. Consider insuring only the main driver of your vehicle. If this person has a good driving record then you can get a much lower rate.

Look up grade discounts if you are a student. Many insurance companies offer rate reductions for students who do well in school, so find out if yours does. Bring your transcript by to show off your grades, and you may be rewarded with a great discount. Good grades show the insurance company that you are responsible.

Ask your insurance agent if your age can get you any discounts. Studies have shown that, much like fine wine, drivers tend to get better with age. Your insurance company may offer you a discount for being a long-term driver, giving you a discount each time you pass the age milestones they have set.

If you want to buy a SUV, you should know that these vehicles are the most stolen one. This means that you should definitely get an insurance that covers the theft of your vehicle, and that this insurance is probably going to be rather expensive. Perhaps you can find something else than a SUV.

Everyone knows that a Ferrari is an expensive truck, but what you may not know is that the insurance will be vastly more expensive as well. If you have your heart set on a truck like this, make sure that you consider the increased prices of the insurance as well. At times it can be as much as 3 times the price of a normal truck.

With truck insurance, is it better to have a policy with a call center or one with a local office? It is nice to talk face to face with an agent, but he may have an interest in giving more coverage than you actually need–since he benefits personally from this.

To ensure you continue to get the best possible truck insurance, it is wise to do a little comparison shopping against your current policy from time to time. Doing this about a month before your policy renews is a great strategy. This allows you to take advantage of a better offer or use it to negotiate a new rate with your current insurer.

Avoid truck insurance extremes. You can definitely be hurt by a lack of adequate insurance. Even more costly is being over-insured. Many people pay for coverage they can not ever possibly need. The result can be a huge drain on your budget. Evaluate your truck insurance coverage and rates annually.

It is important to factor in the cost of your insurance premiums when you are shopping for a new truck. Vehicles with higher safety ratings are highly favored by insurance companies, usually leading to cheaper policies. Sports trucks garner higher insurance premiums, than other vehicles on the market. Be sure to incorporate this expense into the budgeting for your truck expenses.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

As you see with the information above, there are many ways you can save and many ways to cut back on insurance so that you’re not becoming a victim of the insurance company. You can’t be without coverage here; you need to get some type of insurance. So remember to use these tips when you need to purchase a package.

Great Truck Insurance Tips You Should Check Out!

You’ve been looking all day for good tips on truck insurance but have found nothing of use so far. It can be frustrating with the amount of unverified information out there. Pay close attention to the tips provided in this article and you should find plenty of good information to help you on your way to being an expert on the subject.

Another type of truck insurance coverage in your policy, is medical coverage. This coverage takes care of your injuries and those injuries to other people in your truck. Some states just make this a optional coverage in your insurance. If you live in a no-fault state, medical payments are replaced by personal injury protection.

Be sure to keep your truck secure. Keeping your truck garaged, having a security alarm system, using a locking device on your steering wheel, having a professionally installed tracking system and living in a safe neighborhood are just a few of the ways you can save some money on your truck insurance. Be sure to ask your agent how you can get discounts on your insurance rates with good security measures.

In order to save the most amount of money on truck insurance, you need to thoroughly check the particular company’s discounts. Every company is going to offer different discounts for different drivers, and they aren’t really obligated to tell you. Do your homework and ask around. You should be able to find some great discounts.

Having multiple drivers on one insurance policy is a good way to save money, but having multiple drivers of one truck is an even better way. Instead of opting for multiple trucks, have your family make do with one truck. Over the life of your policy, you can save hundreds of dollars by driving the same vehicle.

Before you decide to purchase any truck insurance policy, one of the first things you should do is calculate your total mileage. Some people do not drive their vehicles that often, and they may be privy to certain discounts if they only use their trucks for work use or other limited uses. Driving less means you are less of a risk.

If you really want to save a lot of money on truck insurance, you can waive almost every type of insurance available except for state-mandated liability coverage. Liability coverage protects other drivers on the road more than you, so this is required for all drivers. But other types of coverage are not required and you can save big money by leaving them off.

There are many aspects of truck insurance which most people are completely unaware of, like the Group Trucks scoring system. Check into this particular scoring system before you purchase a vehicle. You will find trucks and trucks rated from 1 to 20. Purchasing the lower-rated trucks on this list will allow you to save money.

Being an truck dealership can have it’s insurance perks. You must maintain insurance policies on the vehicles you carry, but you can get a deal for this through dealers insurance. These policies will allow you to drive any of the company owned trucks, essentially eliminating the need for personal truck insurance.

Add your spouse to your insurance policy. Insurance companies are notorious for wanting stable and responsible customers. Adding your spouse to your policy signifies that you have become more stable and reliable, and many companies will lower your rates just for that reason. If your spouse has a clean driving record, that can help lower your rates as well.

For older vehicles, remove comprehensive and collision coverage. These options are best saved for newer vehicles, as they pay for repairs and damages caused by accidental damage and other issues. If you remove them, your premiums will be much cheaper and you will still be covered in the event of an accident.

If your annual mileage driven is low, your truck insurance premium should be, too. Fewer miles on the road translates directly into fewer opportunities for you to get into accidents. Insurance companies typically provide a quote for a default annual mileage of 12,000 miles. If you drive less than this be sure your insurance company knows it.

Even though you may be loyal to a certain truck insurance company, it pays to shop around for other companies each year. The prices of truck insurance are constantly taking and by not looking around, you could be spending far more on your current insurance than you would be with another company.

Join an truck club. If you own a classic or a truck that is otherwise desirable in some way, research truck clubs for it. Many of these clubs offer perks for joining. One of these perks is sometimes a discount on your insurance premiums. Just make sure that the benefits of joining the club outweigh anything else you might have to do or pay in order to join.

Not all truck insurance providers are equal. Check out competitors, and shop around if you do not like your quote.

It should really go without saying, but you should never leave an accident unreported to your insurance company. If another victim in the accident makes an insurance claim or a police report is filed, the chances that your insurance company will catch wind of it rise exponentially. While an accident you report might raise your premiums, an unreported one definitely will – and by much more.

When purchasing truck insurance, one of the first things you need to check is the actual accuracy of the policy. Your policy needs to be custom-tailored to your particular needs. Having a policy that’s not tailored for you means that you’re going to end up paying extra for items that you really don’t need to be paying for at all.

In conclusion, it can take a lot of time out of your day trying to find good information about truck insurance. This article has compiled some of the best information available. Follow what is mentioned carefully and you will be in great shape for whatever you were hoping to accomplish.

Court orders trucking company to remove driver-facing cameras because they violate drivers’ privacy

A Canadian court has ruled that driver-facing cameras violate a trucker’s right to privacy and have ordered Sysco Quebec to remove the devices from their trucks.

The ruling was announced during the week of August 21st, by the Quebec Superior Court.

According to TVA Nouvelles, the truck drivers of Sysco Quebec have been rallying against driver-facing cameras for the last five years.

Back in 2012, Sysco began installing DriveCam driver-facing cameras in all of their trucks, claiming that they were only to be used to record evidence in case of an accident. The cameras were meant to record only specific events, such as sudden braking, for 12 seconds at a time. However, soon after the DriveCam cameras were installed, around 70 truck drivers for Sysco Quebec filed complaints about the cameras, claiming they would randomly start recording several times a day.

The truck drivers said they felt “watched” and “intimidated,” so their union filed a grievance.

In 2016, an arbitration panel reviewed the complaints and ordered Sysco to remove the driver-facing cameras. The arbitration tribunal called the cameras a “particularly intrusive” method to promote workplace safety, as the cab of a truck is more private than an office or other workplace.

Sysco contested the arbitration panel’s decision and the case was elevated to the Quebec Superior Court, which sided with the drivers in late August.

“The interior of our truck is a bit like our home,” explained Pierre Pelletier, an independent owner-operator of 30 years.

“We eat in there, we change … so it’s not very nice to be filming all the time.”

Sysco has refused to comment on the situation, but now has less than 30 days to file an appeal on the decision.

“In the United States, the many lawsuits that have been brought [against trucking companies] may push the industry to protect itself and invest in this kind of equipment,” said CEO of the Trucking Association and Counsel, Marc Cadieux.

“But here, it is the insurance companies that pay in the event of an accident. So, I do not see the point of filming the drivers.”

Despite the victory for truck drivers working for Sysco, the ruling will not necessarily keep all companies from installing driver-facing cameras.

“Certainly, it paves the way for other decisions that the courts could take, but that does not mean that some carriers could not use other grounds to justify the installation of cameras,” Cadieux continued.

“For example, some companies carry high-value items or downright money. Others carry dangerous products. So maybe at that time, some surveillance equipment inside the truck can be justified,” Cadieux added.

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“Fewer and fewer insurance companies having the stomach for the experience”

Technology giveth and it taketh away.

Insurers of long haul trucking fleets know this to be true, as on-board additions to commercial trucks make them safer but also costlier to insure, and distracted driving continues to be a major risk for truck operators while on the road.

“Advances in vehicle technology have made the operation of vehicles, including trucks, safer over time and you would expect that in terms of modernization of the industry,” explained Paul Brocklebank, president and CEO of Canal Insurance Company. Yet this in turn has made today’s trucks more expensive than they were even five years ago.

Meanwhile, people driving their own vehicles can’t seem to put their phones down, despite major public education campaigns. The National Highway Traffic Safety Administration estimates that during the day, about 660,000 drivers are using their cell phones. The potential for collisions with other vehicles rises with the use of this technology.

“Distracted driving or cell phone usage has had the opposite effect and it’s actually driven up insurance loss costs – you can see that in terms of the overall industry results,” said Brocklebank.

Underwriting this class of business then becomes a fairly complicated proposition, and a costly one at that.

“There are lots of variables to be considered and because of financial responsibility laws, it also requires us to place minimum bets of $1 million when we offer limits, and so, unlike some other forms of commercial auto where lower limits are offered, we have no choice but to offer at least a $1 million limit when we quote a risk,” said the CEO.

Telematics is one way the insurer is using technology to its benefit. In fact, Canal has a risk management team called CanalRisk360 that helps insureds investigate and use connected devices.

Canal knows what it takes to adapt to change. The company was founded almost 80 years ago when there was a shortage of insurance providers for long haul trucking after the Second World War with the expansion of the national interstate system. The competition in the marketplace means the need for commercial truck insurance has ebbed and flowed, said Brocklebank, though right now is a time of demand.

“In some respects, we’re right back where we started in terms of there being a need in the market with loss costs escalating, and fewer and fewer insurance companies having the stomach for the experience,” he said.

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Steps For Making Sure Your Truck Insurance Coverage Is Adequate

First of all, it’s illegal to drive without insuring your truck. So if you have to have it, why not get some truck insurance that will get you the most out of your money. This article will provide with the information you need, so that you can make the most informed decision about truck insurance.

When getting truck insurance is not a wise idea to only get your state’s minimum coverage. Most states only require that you cover the other person’s truck in case of an accident. If you get that type of insurance and your truck is damaged you will end up paying many times more than if you had the proper coverage.

To lower the cost of your insurance, you should pay attention to the kind of truck that you wish to buy. If you buy a brand new truck, insurance will be very high. On the other hand, a used truck should allow you to get a lower rate, especially if it is an old model.

As expensive as adding your teen driver to your truck insurance policy can be, it may be worth it in the long run, as it will help him or her to begin building up a good credit report. If they maintain a safe driving record, this history of insured good driving will give them a better rate when they reach adulthood and are purchasing truck insurance of their own.

If your truck insurance carrier is not lowering your rates after a few years with them, you can force their hand by contacting them and telling them that you’re thinking about moving elsewhere. You would be surprised at what the threat of losing a customer can do. The ball is in your court here; tell them you’re leaving and watch your premiums fall.

If you are married, you can drop your monthly truck insurance premium payments by simply putting your spouse on your policy. A lot of insurance companies see marriage as a sign of stability and assume that a married person is a safer driver than a single person, especially if you have kids as a couple.

Save money by evaluating your truck insurance needs and improve your personal finance. The more your truck costs, the more your insurance will cost. With so many variables in insurance policies, choosing what you need versus not needing can be tough. However, one that you might want to consider cutting is the collision damage part. If your truck is in bad shape then there is obviously no need to have that type of coverage.

If you can decrease your annual mileage, you can expect a decrease in cost for your truck policy. Insurance companies normally estimate that you will drive around 12,000 miles per year. If you can lower this number, or are someone who does not drive that far that often, you may see a reduction. Be sure that you are honest about your miles since the insurance company may want proof.

Find out all of the available discounts that your insurance provider offers. There may be some discounts available that you did not know about when you opened your policy. You may have to take a driver’s course of some kind but it will increase your driving skills and reduce your premiums.

Always check with the state insurance department before you sign an application for truck insurance. You want to make sure that the company you are working with is licensed in the area that you live in. If they aren’t, you may not receive any help after an accident.

Keep truck insurance in mind when buying a new truck. Different trucks have different premiums. You might have your heart set on an SUV, but you might want to check just how much it is going to cost to insure before you spend money on it. Always do your insurance research before buying a new vehicle.

If you are in an accident, report it. Even if there aren’t any injuries that are obvious at the time. It doesn’t mean you are necessarily filing a claim, just letting your insurance company know what happened in case a claim is filed by the other party at a later time.

If you are purchasing truck insurance on a new vehicle on which there will be a lien, you should be aware that you must, by law, have full coverage. In this case, you may even want to reconsider your new truck purchase because full coverage is significantly more expensive than liability alone.

Know the laws in your state concerning truck insurance. In almost every state, truck insurance is compulsory. You can face stiff fines and penalties for not carrying adequate truck insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

When dealing with an truck insurance claim, always keep all of the information related to the claim with you at all times, in a pocket or a purse. Claim settlements are often slowed down by the client not having information handy with the insurance company contacts them, meaning they’ll have to wait until that evening to get things moving.

To lower your overall cost consider paying your insurance premium in full. Many insurance companies tack on fees for customers who make payments month to month. Your company may offer several payment option plans, but generally the less payments you make the more money you save. Some companies even offer an additional discount for enrolling in automatic renewal.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

Don’t drive illegally and get truck insurance. Now you have the knowledge to make informed decisions about what insurance to get and how to get the most out of you policy. Use the information from this article to get what will benefit you and your unique scenario the best, with the amount of money you are willing to spend.

Get Tips About The Truck Insurance You Need

Unfortunately, private insurance companies are always looking for ways to inflate the rates on you. Whether it’s a $1 charge for this or a $10 charge for that, the extra costs can add up in a hurry and leave you paying a small fortune for truck insurance. Find out how to combat this in the article below.

If you own a small business requiring the use of company trucks, vans, or trucks; business truck coverage is a must. Business truck insurance coverage can usually be added to a business insurance package made available by insurance companies. If you or your employers are driving company vehicles, it is critical that you are covered in case one of them gets into an accident.

When getting truck insurance is not a wise idea to only get your state’s minimum coverage. Most states only require that you cover the other person’s truck in case of an accident. If you get that type of insurance and your truck is damaged you will end up paying many times more than if you had the proper coverage.

To make sure you are getting the best deal on your truck insurance, get quotes from at least three different insurers. You can choose to deal with individual insurance companies or you can go to an insurance broker, who can represent several companies and get you quotes from each one.

Check and see if your truck insurance provider offers any low-mileage breaks. If you do not drive your truck often, this could end up saving you a fair amount of money. There is no harm in asking your provider whether they offer something like this and whether or not you qualify.

Before choosing the truck insurance policy that you think is right for you, compare rates. Comparing rates has been made easy with so many online insurance companies. Many of these companies will compare rates for you. Go to a couple of these sites and get many quotes from each before making your decision.

You should decide wisely how much coverage you want. You will need basic coverage, but you can save money by paying less every month and saving up some money in case you get in an accident and need to pay for repairs yourself. If you do this, make sure you always have enough money available to pay for repairs.

If you have excellent health insurance, consider dropping medical pay from your truck insurance policy. There is no need to pay for the same insurance coverage twice. If your health insurance is good, you probably don’t need it covered by your truck insurance as well. Dropping medical pay from your truck insurance can save you a lot of money.

You should make sure you cancel your insurance if you want to switch your truck insurance company. This way you can be sure to leave on good terms with the company you are canceling with in case you change your mind and want to go back to them. This will also prevent you being canceled for non payment which can affect your credit.

J.D. Power ratings are a very handy guide for selecting an truck insurance company. They compare insurers on a number of criteria like cost, coverage options, claims handling, and customer satisfaction. They also take surveys with insurance customers to find which company has happy customers and which tend to cause problems for their customers.

If you are looking to lower your truck insurance premiums, you should consider raising your deductible. Your payments will be reduced, but in the case of an accident your portion of repair costs will be higher. Lower payments can be a real bonus, but make sure you can afford the higher deductible when the time comes.

See if you qualify for a Safe Vehicle Truck Insurance Discount. If your truck has a variety of safety features, such as airbags and anti-lock brakes, you may qualify for a reduced rate on your insurance. Discuss everything that your truck has with your agent so that you get the best possible rate.

When purchasing truck insurance it is important for you know your policy types. What does your truck insurance actually cover? Be sure to check out all the separate components of your policy and make sure they fit your needs. Some of those components are bodily injury liability, collision coverage, comprehensive coverage (or physical damage, uninsured motorist coverage, medical payments, and property damage liabilities.

You can reduce your truck insurance policy premium by buying a vehicle that qualifies for some type of discount, or one that doesn’t carry a surcharge. Ask your agent about the cost of insuring a vehicle you are interested in before you decide on buying it.

Another way to decrease your truck insurance premium is by increasing your deductible for collision and comprehensive. Switching to a more expensive deductible can reduce the collision portion of your premium by up to thirty percent. This will still cover any truck catastrophes, but you still pay for fender-benders.

You can reduce your truck insurance policy premium by dropping the collision coverage on an older truck. These claims are limited to “book” value, so you’re not likely to get much if you truck is over seven years old. Try dropping collision cover when your annual premium reaches ten percent of your truck’s value.

As unpleasant as it is to think about, there are people out there who will stage accidents. In the unfortunate event that you are involved in an accident, make sure that you always call the police to the scene and take plenty of pictures of the accident for documentation purposes.

Look over your insurance policy to make sure everything is accurate. If there are any mistakes on your policy, you may get denied when it comes time to file a claim, or you may being paying more than you need to be. Make sure that your home address is correct. Is the vehicle manufacturer, model and year all correct? Your estimated yearly mileage can affect your premium, so if you have a short drive to work or work at home, confirm this is on your policy.

What you just got through reading were tips compiled by truck insurance experts with the intention of helping you to save money and also to find the best type of insurance to meet your particular needs. Make sure you don’t become a victim of a greedy insurance company. Use these tips to craft the best possible policy.