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Congratulations, you passed your schooling and now you are behind the wheel of your first big-rig. You’ve achieved everything this far, and now you have to look into insurance. We have some tips for you when choosing the right one.

Comparing Big Rig Insurance

Shopping around is a valuable process when looking to find the right insurance. Trucking insurance isn’t a “one size fits all” process, so the more you look into what different agencies have to offer, the better the chance that you will find the right one.

Understanding the Necessary Coverage

Understand what coverages you may need before you start speaking with agents. The more common coverages are:

• Primary Liability
• Cargo Insurance
• Physical Damage
• Non-Trucking Liability

The majority of these agents will offer further coverages, but these are the basics.

Understanding Repair Coverages

Accidents happen. In the event of one, you want to make sure you know what coverages you have. There are multiple types of accident coverage and the insurance company will pay for the repairs. The downside is that some are more effective than others. Some insurance companies will pay for OEM parts while others will pay for parts that may or may not fit your truck. Be careful and have a full understanding of your truck when talking to an agent.

24 Hour Big Rig Insurance

It’s a Sunday morning and you just got into an accident. With some companies, your up the creek without a paddle. Good luck with getting in touch with them. The best bet is to find an insurance company that offers 24-hour roadside assistance. Accidents can happen at any time and you want to know that the money you spend on insurance will come in handy.

New Insurance Certificates

A savvy trucker will save money by ensuring what they “typically” carry. If they are required to carry a different type of cargo, then they call up their insurance and have it specifically registered to haul. Having the ability to do that at a moment’s notice is the most beneficial way to make sure that your liability is covered.

Bundle Insurance Policies

The cheapest and most cost-effective strategy when choosing the right insurance agency is to simply bundle your options. A great insurance provider will help work with you to find the best plans in order to give you full coverage.

Ask for a Discount

Many companies offer discounts, so why shouldn’t yours? After all, you want to be a respectable customer, and they want to keep your business. If your record is in great shape, and you have kept it that way for a long time, then why not ask to see if you may be eligible for any discounts?