Insurance for trucking is more complicated than for passenger cars or regular businesses. In addition to covering the risks of having accidents on the road – of covering personal injuries for all parties involved and property damage – trucking insurance needs to make sure cargo contents are protected. It doesn’t ease matters any that the transportation industry has more claims on the roads than any other.

Get Discounts through Insurance Agent Alternatives

Many self-employed people have run out of options for regular health insurance policies and have had to look for alternative sources for coverage. The same is happening in the trucking industry where costs have grown out of control. Everywhere you look there is someone who wants to make a quick dollar. It’s time for companies to seek out alternative sources for insurance for trucking coverage.

Companies have many options they may not have looked into before. There’s certainly something to be said for having the convenience of an agent who handles everything for you. The savings to be had in going rouge, however, really do make up for the price. There a number of ways to protect your drivers, cargo and company without paying astronomical insurance rates.

Take Advantage of Discounts

Just like any coverage, insurance for trucking companies offers discounts based on a variety of factors. Driver safety and length of time between accidents can help cut down your costs. It may help to tighten your requirements for driver training. You could also look into risk factors for drivers and talk to your insurance company about lowering costs if you can show you’re addressing those risks.

Agents strive to provide business owners with plans tailored to their operations. It’s true you pay heavily for this service, but you may not have to. Getting insurance for a trucking company is not a one-size-fits-all situation. You shouldn’t be afraid to negotiate.

Talking Down Commissions

When it comes to insurance sales, you can’t be sure exactly how much you’re giving the company to cover your policy and how much you’re giving to your agent’s paycheck. This is true when buying insurance for trucking operations. You can always negotiate when it comes to your agent’s cut. This is especially true for situations where an agent represents multiple drivers in your company or a fleet policy. Saving through agent commission is just one way you can cut back on your insurance bills.