Trucking insurance


Truck Insurance — November 23, 2017

Truck Insurance

3 Important Factors to Consider When Truck Insurance Quote to Your Customers

1 – Available Discounts

Most of the insurance companies give discounts for being a member of AAA or other auto clubs. You can even get discounts for having driving experience or for taking driver safety courses that give you a certificate of completion. Having more than 3 years of driving experience with your commercial driver license can give you a 10% discount, and this can be a pretty big discount since it is a percentage discount. Having 3 years in business experience can also help you to get additional discounts, so ensure to ask for any and all discounts that are available to you. When you pitch a customer for giving truck insurance quote, keep this points highlighted to increase the chances of your sales.


2 – Garaging Zip Code

Not every garaging location was created equal. Nowadays there are very few things about your garaging location that actually helps to lower your rate. Even though garaging in a gated yard with dogs, cameras, and security may get you some brownie points and some peace of mind you won’t see any savings on the insurance side of things. Whether you park your truck in a yard or on the street, the only thing that will get you a discount is which garaging zip code is on the address of the location. The rate could drop as much as 25% percent by just garaging in a location the next zip code over. If you are close to Thousand Oaks, Simi Valley, San Fernando Valley, Fontana, Palmdale, Hesperia, Apple Valley, or Beaumont you might want to think about finding a new yard or garaging location in these cities. These cities compared to the surrounding areas are significantly cheaper areas to park your vehicles.

You can see some big discounts just by switching one zip code over. Be careful, if you say you garage in one city but really garage somewhere else, you could chance the trucking insurance company not covering a loss. Most truck insurance companies do an audit to verify this information and the big companies are starting to require proof of garaging location, so make sure that you park your big rig where you say you park it.


When it is time to make the truck insurance quote, as a trucking insurance agent, you make it a salient point as it saves the client money.

3 – Credit Score

If you have good credit, you will pay less for your truck insurance. This is especially true for commercial truck insurance. Almost all insurers, including the top ones, pull your credit report. The studies have shown a direct correlation between your credit score and the likelihood that you will file a claim. As an insurance truck insurance agent, you make the truck insurance quote in the light of client’s credit score.

Truck Insurance