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Truck Insurance

Introduction:

No matter what anyone else claims, Trucking business is very complex and fraught with risks and uncertainties. The variables in the insurance are just too many and this only means one thing – You do not need an ‘insurance agent’, but rather, a risk manager who looks out for you. You need someone who would help you navigate this maze called truck insurance, so you can concentrate on what you do best – Trucking. At All Solutions Insurance, we understand the needs of truckers and truck insurance buyers. We have a dedicated and comprehensive team of truck insurance experts especially dedicated to solving all your needs and this guarantees that our truck insurance team is exceptionally knowledgeable and understands the vital aspects of your business. So, we are able to customize our solutions taking into account your unique requirements. Due to this, ASI has been in the forefront of truck insurance business since 1994.

We specialize in short, intermediate and long haul truck insurance to truckers across the country and we offer the broadest suite of products and carriers and use our experience to help you choose the right option for your specific needs. Providing you the best transportation risk alternatives is what we do best and the significant volume that we place with insurance carriers in the transportation industry provides us considerable clout in the marketplace which enables us to offer the best possible truck insurance quote to every new and renewal client.

From bobtails to big rigs, we underwrite liability, physical damage, and cargo coverages to trucking companies. Whether you haul produce, dirt, general freight, garments or even electronics we will offer a competitive truck insurance quote. We underwrite only with top rated, insurance carriers such as Northland Insurance Company, Carolina Casualty Insurance Company, Scottsdale Insurance Company, Stratford Insurance Company among others who understand the trucking industry. With ASI, you can be assured that your Certificates will always be issued promptly so you don’t miss a load. Our truck insurance specialists will provide outstanding help in claim reporting and follow up and in premium and down payments. When you want solutions, you need an expert on your side. Great truck insurance quotes and outstanding service – that is our goal for the California trucker.

Contact an All Solutions Insurance truck insurance expert today for a free rate quote and to find out how we can help you at (951) 247-2003 or chat with an expert by clicking here.

Insurance is a unique product where the actual cost of the product is known only after the product has been sold. You pay your premium before either you or your insurance company knows if you will have a loss, or how big the loss might be. When determining the premium for a trucking company, the insurance company will consider factors which increase or decrease the probability that a loss will occur, and the potential size of the loss. So, based on every insurance company’s perception and appetite for risk, insurance rates could vary widely for the same exact situation.

Today, numerous truck insurance companies offer a plethora of options when it comes to truck insurance rates. With an overabundance of rates and coverages, how do you know which one is best for you? Since 1994, ASI has been helping our customers navigate this maze by evaluating every unique customer’s individual traits including driving history, risk appetite and insurance requirements. We then shop from over 30 reputable insurers including Northland Insurance, Carolina Casualty among others and get the best possible rates for our customers. If you are in the market shopping for new insurance or are unsatisfied with your present rates, contact an ASI truck insurance expert today and help us save you money today!

At ASI, we are committed to educating our customers to the make well-informed decisions taking into account all your unique traits, so that every policy is customized to protect your risks well. We believe a well-informed driver is a safer driver and to this end, we have provided some insurance basics to help you make an informed decision in choosing your insurance company.

Since 1994, ASI has been providing our truck insurance customers, not just with the best support and lowest rates, but with the best ‘risk management’ support, so that you are adequately covered at all times. At ASI, we do not believe in a one size fits all approach. Rather, we invest the time to evaluate every customer’s needs and risk profiles and provide the best rate quote among more than 30 reputed insurers. With ASI, low rates are just the beginning. We are proud to offer unmatched service and support when you need. Some of our other strengths which has kept us at the top of the game include:

Claims Service:

No driver wants to have an accident. However, in the event of a claim it is good to know that your insurance provider will have a quick and fair resolution. To work effectively with repair shops, shippers and third party claimants, your insurance agent and insurer needs to know your business. All our underwriters are fully supported by teams of seasoned truck experts who specialize in truck liability, physical damage and cargo and you can be assured that that you’ll be able to promptly report your claim to a real person 24 hours a day, 7 days a week.

All our insurers have departments which help you get some or all of your money back in case of claims. If you are not at fault in an accident, you will be able to ask your insurance company for direction in pursuing the liable party for the recovery of loss, including your deductible, regardless of the size of your loss or the amount of premium you’ve paid.

At ASI our dedicated truck insurance team has extensive experience with the insurance company’s claims department. In case of a claim, we quickly work to put your truckers back on the road and concentrate on what you do best – Trucking. Being an independent insurance agency, our experts fight FOR you – not against you – in the event of a loss. Talk to an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Coverages:

Not all insurance companies are created equal, especially when it comes to offered coverages. An insurance company that offers coverages designed specifically for a trucker is more likely to be a carrier who understands your needs.

An insurance company who works closely with the owner-operator and small fleet customer offers coverages including:

  • Ability to package truckers liability, physical damage, cargo and general liability coverage conveniently into one policy.
  • Family emergency travel coverage for travel expenses incurred due to your injury from a claim.
  • Coverage for theft or damage to personal property inside your truck.
  • Towing and finance value automatically included within your physical damage coverage.

With ASI, our experts ensure that you are adequately covered for ALL your unique truck insurance needs and not just part of them. Talk to an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Filing:

Dealing with an insurance company who does not understand the impact accurate and timely filings can make, can cost you money. The last thing you need is to be stuck at border checks while waiting for your filings to be put in order, only to find that your insurance carrier is charging you additional fees for making your necessary FMCSA and PUC filings. Only Insurance companies with fully automated filings systems and the availability of same-day service help keep you on the road and away from a mountain of paperwork.

When you purchase a policy through ASI, we can issue state and federal filings for you. In most situations, we can turn a truck insurance filing the same day you purchase your policy. We can take care of your state and federal filings including:

  • ICC
  • MCS90
  • MCP-65
  • OS-32
  • PSC
  • PUC
  • Form E
  • And many more

Talk to an ASI truck insurance expert or chat with us today and kiss good-bye to your truck insurance worries. You can talk to one of our experts by calling (951) 247-2003, or chat with one of our expert today!

Risk Control Resources :

Safety is a priority for all trucking companies. Failure to comply with safety regulations can result in out-of-service violations, fines, and possible revocation of your operating authority. Accidents can result in injury and death, equipment downtime, out-of-pocket expenses, and increased insurance costs.

Your insurance company should be able and willing to assist you in your compliance and accident reduction efforts. Trucking safety is a specialized field. So, ensure that your insurance company has risk control staff with strong truck safety knowledge and expertise. Your insurance company should also have a wide variety of materials available to assist you in your safety efforts. Materials should include items such as driver training programs and videos, sample compliance forms, and sample policies and procedures.

At ASI, we shop from more than 30 reputable companies and only underwrite with the best insurance companies in the field with excellent risk control resources to offer you complete peace of mind. Talk to an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Competitive pricing:

Insurance is like many other products and services – before comparing price, compare the product. Coverage, claims service, filings service, risk control and the overall longevity and expertise the company delivers, are all key factors in determining whether the price you receive is competitive.

One of your largest expenditures will be insurance costs. Not only do you want to look for a fair rate from your carrier, you should also have flexibility in your options to finance your premium, which may include installment payment and monthly reporting options.

Just like buying a truck, not all of them are the same. There’s usually a reason for differences in price. What may cost a little more now, may be well worth it when you have a claim, a filing issue or want assistance with safety questions. At ASI, our truck insurance experts review and evaluate competing insurance quotes from over 30 reputable insurance companies and evaluate for factors like coverages, services, and company claims expertise so you can be assured of the best possible coverage at the lowest price levels.

Contact an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Agent Relationship:

The relationship your agent has with its insurance company reflects directly on the type of relationship it wants to have with you. You want to work with an insurance agent who has chosen its partners wisely and has long-term business relationships with a select group of reputable insurance companies who specialize in providing coverage to the trucking industry. ASI has been helping drivers get lower rates and better services since 1994. At ASI, we underwrite with more than 30 reputable insurance companies to offer unsurpassed customer service and risk management, so you can concentrate on what you do best – trucking.

Contact an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Prior Experience:

Many insurance companies get into the truck insurance business because they see large premiums and short-term profits. Then they start experiencing losses, and abandon the industry and their insureds mid-stream. You want a carrier who has been insuring truckers for many years, not several months. In the event of a claim, you want them to be there to stand behind you, to get you back on the road again, not just fight over paying for your loss.

At ASI, we only underwrite with over 30 reputable and stable insurers like Northland Insurance and Carolina Casualty and not any fly-by-night operators. Our aim is to not only provide you with the cheapest rates but provide the lowest rates with the best coverage from reputable and well-established insurers who are in the business for the long haul, while maintaining unsurpassed personal attention and business relationship.

Contact an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Financial stability of our insurers:

Insurance companies are rated by industry rating agencies (such as A.M. Best) on their financial stability. What this means to you is their ability to pay claims in the event of many losses. Look for an insurance company with an “A” rating, and at least $300 million in assets, to ensure the company will be in business for years to come, and will be there to pay for your losses.

At ASI, we only underwrite with reputable and stable insurers like Northland Insurance and Carolina Casualty and not any fly-by-night operators. Our aim is to not only provide you with the cheapest rates, but provide the lowest rates with the best coverage from reputable and well-established insurers who are in the business for the long haul, while maintaining unsurpassed personal attention and business relationship.

Contact an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!.

What Trucks do we Insure:

Whether you’re an independent owner operator, motor carrier, or a private trucker, ASI specializes in providing insurance for trucks and trailers of all sizes, including:

  • Box trucks
  • Semi trucks
  • Flatbed trucks
  • Front loaders
  • Garbage trucks
  • Pickup trucks
  • Tank trucks
  • Tractors
  • Dump trucks
  • Auto hauler trailers
  • Flatbed trailers
  • And many more
Preferred Risk Profiles:

Non-fleet (1-10 units) Preferred Program

  • Truckmen for hire
  • Experienced management (2 years)
  • Experienced operators with good driving records
  • Hauling non-hazardous commodities

Fleet (11+ units) Preferred Program

  • Truckmen for hire
  • Managed growth with experienced management (5 years)
  • Safety conscious management
  • Driver pool is mature, experienced and drivers have good MVRs
  • High driver retention — low turnover
  • Hauling non-hazardous commodities

Questions? Comments? Contact an ASI truck insurance expert today for a free rate quote at (951) 247-2003, or chat with one of our expert today!

Truck Insurance options:

Today, numerous truck insurance companies offer a plethora of options when it comes to truck insurance rates. With an overabundance of rates and coverages, how to you know which one is best for you? Since 1994, ASI has been helping our customers navigate this maze by evaluating every unique customer’s individual traits including driving history, risk appetite and insurance requirements. We shop from over 30 reputable insurers including Northland Insurance, Carolina Casualty among others and get the best possible rates for our customers tailored to your unique risk profile and risk appetite. If you are in the market shopping for new insurance or are unsatisfied with your present rates, contact an ASI truck insurance expert today and help us save you money today!

Available Insurance Coverage
  • Auto Liability
  • Collision
  • Comprehensive or Specified Perils
  • Cargo (Basic and excess limits for special trips)
  • General Liability
  • Rental Reimbursement
  • Financed Value Coverage
Extra Value Services
  • Responsive claim service
  • Automated FHWA Filings
  • Federal FHWA filing fees paid by insurer
  • Flexible Payment Options
  • One of the most professional Risk Control Departments in the industry
  • Free consultation services by Risk Control Field Representatives
  • Access to reduced rates for drug and alcohol testing through an affiliation with a national vendor
  • Periodic Risk Control newsletters
  • Safety training materials
  • Free access to our extensive Risk Control media library
  • Road Condition & Safety Information wallet-size phone card
  • Subrogation for the recovery of losses even when damages to your vehicle fall below your deductible

The following items are some key factors affecting your chance of having a loss and, therefore, the premium you will pay.

Years Driving Experience:

The more experience drivers have driving similar equipment, the less likely they are to be involved in losses. As drivers gain experience with a specific type of equipment, they understand how it will react in certain conditions and be better able to avoid losses. More experienced drivers have learned more driving lessons, and are more likely to be familiar with operating vehicles in different types of terrain and seasons. Because of this, rates generally decrease with total years driving experience with the same type of truck.

Changes to different equipment will increase the chances that the driver will be involved in a loss. For example, experience driving a straight truck does not translate to lower loss potential when the driver switches to a tractor-trailer.

Driving Record:

Your driving record plays a crucial role in determining premiums. It is the most basic evaluation of a driver and likely one of the first pieces of information reviewed. If you have moving violations on your record (driving your commercial auto or personal vehicle), you may pay more for your insurance. Statistics indicate drivers with violations usually have repeat violations which often lead to accidents.

Accidents:

Accidents have a direct result on your rate. If you have been involved in an accident you may pay more for your insurance. As with moving violations, statistical data indicates drivers with an accident on their record are more likely to be involved in another.

Years Operating in Name:

Insurers may ask if you previously had insurance coverage. If you have been previously cancelled for non-payment of premium or underwriting reasons, insurers want to know. If you have had insurance, the previous carrier can tell the new insurer about your loss history. As with newly employed drivers, an operation newly operating in its name is more likely to have the added burdens of management development associated with a new operation. As a company becomes more experienced managing its operation, including a safety program, drivers, and following of regulations, the frequency of losses is also likely to decrease.

Where You Drive:

Depending on where you haul, your vulnerability to different types of losses can vary greatly. This is based on a number of factors including the road infrastructure, level of congestion, legal environment and your percentage and experience of travel to a particular region.

For example, you would be more likely to experience higher rates if you were regularly traveling into or through larger metropolitan areas than if you traveled only within smaller cities within the midwest.

What You Haul:

The purpose of cargo insurance is to protect the cargo owner’s financial interests while their cargo is exposed to the possibility of damage while in transit. The type and value of cargo will affect your insurance premiums in addition to a number of other factors such as: the time sensitivity of the load, the potential for theft and the impact of changes in temperature. Some commodities are more susceptible to certain perils than others. This would be contemplated in the rate for cargo insurance.

Equipment Operated:

Today’s modern tractor-trailers are filled with new, computerized features that make a trucker’s life easier and safer. However, when involved in an accident or stolen, the price to repair or replace increases the cost of each claim. In addition, the maintenance and condition of equipment can contribute directly to the chances of being involved in a loss. As such, the value, age and condition of equipment is taken into consideration when determining your rate.

Deductibles:

The deductible is the amount of each claim you agree to pay. Your insurer will pay the difference between the claim amount and the deductible. For example, if your claim is $3,000 and your deductible is $1,000, your insurance company will pay $2,000. Generally raising your deductible will lower your premium. Insurance is best used to protect you against financial catastrophes, not smaller expenses you can afford to pay. Consider increasing your deductible to reduce your insurance premiums, if you can afford a higher deductible.

DOT Safety Record:

Insurance companies routinely look at DOT safety records to better understand how well a company complies with regulations. This includes looking at a company’s:

  • DOT safety rating
  • Roadside vehicle and driver out-of-service violations
  • SafeStat and Inspection and Selection (ISS-2) scores
  • DOT-recordable accidents
  • Results from past DOT compliance reviews and whether enforcement action has been taken against the carrier.

A company with a “Satisfactory” DOT safety rating, lower than average out-of-service violation rates, and a favorable inspection history, for example, will be viewed as a more favorable risk than a company with the opposite profile.

Information about your company’s DOT safety record is available on the Internet at:

  • SaferSystem
  • SafeStat
Safety Program:

Most insurance companies consider compliance with DOT regulations a minimum requirement, and expect even small companies and owner-operators to meet those requirements. As fleets grow, insurance underwriters expect companies to have safety programs that go beyond the minimum DOT requirements. A small fleet with ten trucks, for example, should have at least a basic safety program that includes written policies and procedures that address key safety areas, such as:

  • Driver hiring and qualification
  • Safety training
  • Driver supervision
  • Vehicle inspection and maintenance
  • Drug and alcohol testing
  • Accident investigation and reporting
  • DOT compliance

For larger fleets, a well-developed safety program is essential. A company with 25 trucks, for example, should have a safety program that includes formal, written policies and procedures that encompass all aspects of the company’s operation. Larger fleets generally have one or more employees who are directly responsible for the company’s safety activities. How well a company adheres to its policies and whether the company’s management staff is knowledgeable and experienced in regulatory compliance and safety also becomes important.

In many cases, insurance companies may request detailed information about a company’s safety program. They may also use safety specialists to conduct on-site evaluations of a company’s safety program.

Driver Age:

As a general rule, younger drivers are involved in more accidents than older drivers and, as such, they pay more for insurance coverage. Younger drivers who have experience driving a tractor-trailer are still more likely to have a loss than a mature driver. The probability that a driver will have a loss decreases each year. However, after reaching a certain age, the likelihood of accidents again increases and as such, rates generally begin to rise.

 Years Employed:

The number of years a driver is employed is another factor often taken into consideration when determining insurance premiums. In addition to the usual pressures of the job, a new driver is also faced with learning new routes and customers. These additional pressures felt by a new driver often result in a significantly higher accident rate. The more familiar a driver is with the particular routes, equipment, and commodities hauled, the less likely the driver is to be involved in a loss.

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