Looking for the best commercial truck insurance with low premiums? Check out GEICO’s new program and trusted Pro Brokers—it’s a game-changer!
You can get a fast and easy online GEICO quote here or just call CIS (330) 864-1511.
GEICO can cover:
Cargo Van & Sprinter Insurance
Hot Shot Insurance for Dually’s hauling cars
Step Truck Insurance
Box and Straight Truck Insurance
Refrigerated Truck Insurance (with an EXCELLENT Reefer Cargo package)
Long Haul Semi Truck Insurance
Dump Truck Insurance
….and more.
Why GEICO has the Best Commercial Truck Insurance now:
It’s no secret that Motor Carriers and Owner-Operators have been struggling to find good, affordable Commercial Truck Insurance for years.
Not anymore.
GEICO’s launched a new program just for Small Motor Carriers and Independent Owner Operators—with lower rates that work whether you’re just starting out or have been trucking for years.
With 85 years of fiduciary experience as a Berkshire Hathaway subsidiary, GEICO knows what it takes to deliver a reliable, money-saving truck insurance program designed for the little guy.
By teaming up with handpicked Truck Insurance Brokers, GEICO plans to expand to most states within the next few months.
Professional Truck Insurance Brokers are all about trucking—it’s what they do all day, every day.
So when you call with a question, your Broker has the answer, no hesitation.
That lets GEICO take care of the behind-the-scenes stuff like ratings, filings, and claims, so the Brokers can focus on connecting with their clients and building real relationships.
No more calling a nameless 1-800 number anymore.
Check out this link to learn more, and see which states are already up and running for the new GEICO Commercial Truck Insurance program.
The key now is FOR YOU to make the most of this opportunity.
Finding the right Truck Insurance Pro who knows how to insure you for the coverage you need at the very lowest premium.
A great Truck Insurance Broker is your advocate—there to help with everything from tricky underwriting questions and federal guidelines to weird certs and, most importantly, claims.
(Truck Insurance Brokers are also called Independent Truck Insurance Agents.)
Here’s 5 Simple Tips To Get The Best Commercial Truck Insurance
1. Your Commercial Truck Insurance Broker should know your business inside out and be your Team-Mate in finding YOU the best coverage and rates.
Commercial truck insurance premiums can vary a lot depending on what you’re hauling, where you’re located, and how far or often you’re on the road.
Maybe you’re an owner-operator with your own DOT authority, or maybe you’re leased onto a motor carrier.
Either way, the insurance you need is different, so it’s worth taking some time to understand the basics.
A good starting point? Check out Commercial Truck Insurance 101.
Your insurance broker should know exactly what coverage you need and be able to quickly provide Insurance Filings to FMCSA Registrations and Insurance Certificates to your Customers.
They should also help you navigate and understand the FMCSA website—a tool all interstate truckers rely on to keep their DOT operating authority in check.
2. She will also give you the right guidance to answer underwriting questions accurately and cost effectively on your commercial truck insurance application.
If you’re a newbie, this is where your Commercial Truck Insurance Broker comes in to help figure things out like:
- How long have you had commercial driving experience?
- What companies did you drive for and how long?
- What commodities have you hauled in the past?
- What routes did you regularly take?
- What radius will you be operating in?
- What is your anticipated Gross Receipts and Mileage?
- How will your new operation be financed?
- What type of growth do you expect in the first 12 months?
- What will be your hiring practices?
- Do you have a vehicle maintenance program in place?
3. You should expect quick personal customer support when making changes or requesting certificates on your commercial truck policy.
Unless you’ve grown into the Small Fleet Truck Insurance category with over 9 units, making changes to your policy should be as simple as a quick phone call to your broker.
Your insurance changes, or endorsements, can usually be done in real time.
If you’ve shared your email, you should get a confirmation of the change request, and you can even see the updated rate before finalizing it.
For example, you can check rates for new drivers before hiring them or for a new truck before buying it.
A good Truck Insurance Broker keeps a database of all your customers who request certificates of insurance.
This is a big perk of having your own personal broker compared to going straight to the insurance company.
Your broker should also offer a 24/7 automated certificate request system, like EZCOI certs, for customers who prefer handling it that way.
Every year at renewal, it’s a great idea to have a quick chat with your Truck Insurance Broker.
That’s the perfect time to tweak your account and make sure you’re getting every discount available.
Your Truck Insurance Broker is there to be your advocate, share advice, and help save you money.
Here are 10 more Quick Tips to Lower Your Trucking Insurance Premium
4. The best commercial truck insurance brokers should help you with smooth claims processing and Loss of Use advice.
Most Truck Insurance Providers like GEICO and Progressive do a pretty good job of handling claims:)
In fact, most score “A” or better with A.M. Best, Standard and Poor or Moody’s Investors.
For most truck insurance companies, if you’re at fault in an accident, it usually just gets handled through a quick call to their 1-800 claims number.
But sometimes, when things aren’t moving forward, it’s time for your Truck Insurance Broker to pick up the phone and call claims directly.
Your Team-Mate should have your back and always look out for you.
In many companies, Down Time with Rental can be purchased anywhere between $40 per day to $300 per day, averaging less than $800 per year.
If you’re At Fault and cause an accident, your Down Time kicks in on your own policy.
But what happens if another vehicle hits YOU, and it’s THEIR insurance company on the hook?
Unfortunately, some insurance providers don’t readily recognize the concept of Down Time or Loss of Use.
Your trusted Truck Insurance Broker should help you crunch the numbers and deal with that other insurance company that’s dragging its heels.
Make sure to keep your receipts organized and easy to find—having backup documentation can be a game-changer for your Loss of Use case.
CIS (Commercial Insurance Solutions Inc.) – has helped hundreds of Owner Operators in Not At Fault accidents get what they deserve for Loss of Use.
The first step is our assistance in obtaining and calculating estimated Down Time Loss of Use forms.
(While some Truck Insurance Brokers charge for these DownTime advisements, CIS provides this service FREE to all of our clients.)
5. Over time, working with your Commercial Truck Insurance Broker should feel like a warm and friendly partnership.
Does everyone know your name and welcome your call?
The Best Commercial Truck Insurance isn’t always about which truck insurance company insures you, it’s about your Truck Insurance Broker.
Who looks out for you?
A company or a person.
There are several big truck insurance providers out there changing their underwriting guidelines all the time—so how do you pick the right one?
Based on Reviews? Price? Coverage?
It can get overwhelming fast.
Here’s the thing: having your own Commercial Truck Insurance Broker means you never pay extra, but you do get someone in your corner.
Your own Truck Insurance Broker has got your back, guiding you through all the underwriting and premium changes to help you find the best coverage and rates out there from new start up through every renewal.
Check out our CIS 5-Star Google Reviews and see how much we care about giving you the Best Commercial Truck Insurance out there!
