2017 RANKING & REVIEWS
BEST TRUCKING INSURANCE COMPANIES
Introduction: All You Need to Know About Commercial Truck Insurance, Semi Truck Insurance, and Tow Truck Insurance
The truckers that rule our highways keep our country moving. If it wasn’t for the long hours of cross country trips, we simply couldn’t get the products moved to the places where buyers and consumers need them.
Everything from fresh tomatoes in January to the replacement faucet for your bathroom have made it into your home thanks to the hard work of truckers.
One of the downsides of trucking, however, is commercial truck insurance, which can be prohibitively expensive.
Truck drivers operate under much stricter rules and regulations that regular drivers. Similarly, the price they pay for semi truck insurance, tow truck insurance, or other types of insurance provided by trucking insurance companies is considerably higher than for regular drivers.
Finding cheap truck insurance is important for any trucker to keep them alive financially while they still stay up-to-date with government mandated insurance.
Award Emblem: Top 6 Best Commercial Truck Insurance Companies
In this brief article, AdvisoryHQ will review some of the top websites to get a commercial truck insurance quote. We will begin by explaining why truck drivers need to get insurance though semi truck insurance companies. We then offer a comparative chart of the main features of the top six websites offering a commercial truck insurance quote.
In our FAQ section, we offer information about what you should look for in cheap commercial truck insurance offered by commercial truck insurance companies. We also look at the commercial truck insurance average cost on the market today. Finally, we provide a complete review of the six top websites that offer a free truck insurance quote.
Why Do You Need Cheap Truck Insurance Provided by Semi Truck Insurance Companies?
Truckers are obliged by state and federal law to carry a minimum of commercial truck insurance. Since truckers are usually the biggest vehicles on the road, these state and federal laws are designed to help protect other drivers from potentially dangerous accidents that can occur because of the size of trucks.
The amount of commercial truck insurance that trucking insurance companies or individual drivers must pay on the vehicles that they own and operate varies from state to state as well as the specifics of what each truck is carrying, the weight of the truck itself, etc.
A commercial truck insurance quote, then, will largely depend on a number of factors, including:
- The type of materials that the truck is carrying (HAZMAT and hazardous goods will bring a higher truck insurance quote).
- The size of the truck, with larger and heavier trucks paying more for semi truck insurance or two truck insurance.
- The total price of the goods and merchandise that the truck is transporting (higher value goods will charge more for a commercial truck insurance quote).
Cheap truck insurance can be hard to come by, but it sure beats being stuck with a six-figure legal bill should any sort of accident occur.
AdvisoryHQ’s List of the Top 6 Best Commercial Truck Insurance Companies
List is sorted alphabetically (click any commercial truck insurance below to go directly to the detailed review section for each truck insurance quote):
Top 6 Best Commercial Truck Insurance Companies | Brief Comparison
Best Commercial Truck Insurance Companies Names
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Allows you to search by type of insurance you need?
Free or Paid Commercial Truck Insurance Quote?
Table: Top 6 Best Commercial Truck Insurance Companies | Above list is sorted alphabetically
What Should You Look for in Cheap Commercial Truck Insurance Offered by Commercial Truck Insurance Companies?
Trucking insurance companies come in all shapes and sizes. Unfortunately, some trucking insurance companies are out there to try and get all they can from the truckers and the owners.
Many people who enter the trucking industry find that the premiums on tow truck insurance or other types of truck insurance are so high that it makes the business unprofitable.
Image Source: Pexels
The best commercial truck insurance companies, however, operate cleanly and transparently and offer quality products that can help keep you insured and compliant with the law while not eating into your important profit margins. So how do you go about finding these best commercial truck insurance companies?
First and foremost, it is important to find semi truck insurance companies who ask you what type of insurance you want or need. Since there are so many different types and kinds of commercial truck insurance, depending on the type of truck you drive, what you are transporting, etc., it can be very easy to get confused in all the technical insurance jargon.
The top trucking insurance companies will let you know what you are required by law to have and which add-ons that you can choose to opt out of if you so wish. Some of the less reputable trucking insurance companies will try to sell you a whole package of insurance options. While this may be beneficial in some cases, it is always important that you receive a separate commercial truck insurance quote for the bare minimums separated from any additional extras you may choose.
Furthermore, the best commercial truck insurance companies should also state clearly which states they operate in. Nothing is more frustrating than going through the process of reading the fine print on the commercial truck insurance or semi truck insurance offered by some company only to find out later that it isn’t valid for your state.
Lastly, quality commercial truck insurance companies should also offer round-the-clock, quality customer service. Truckers work long hours, and if an accident should occur, it is important to be able to talk to a representative from the trucking insurance companies that insure you.
What Is the Commercial Truck Insurance Average Cost?
Finding cheap commercial truck insurance isn’t always easy, especially if you are new to the trucking industry. Unfortunately, there are a number of less than honest commercial truck insurance companies that offer cheap commercial truck insurance that is not the best for your particular situation.
A good way to start your search for the best commercial truck insurance companies is through educating yourself on the commercial truck insurance average cost.
Obviously, the commercial truck insurance average cost is going to vary widely depending on some of the factors that we listed above.
According to Commercial Truck Insurance HQ:
“The average cost for owner operators’ insurance varies widely. If you have your own authority, a 1 truck owner operator may pay $8,000/year for their insurance, while another pays $12,500/year. It really does pay to shop around and find the insurance company that is most competitive with your type of trucking operation.”
There is a huge difference between $8,000 and $12,500 per year, making it all the more important to shop around for the best commercial truck insurance quote. Below, you will find some of the top cheap commercial truck insurance offered by the best commercial truck insurance companies out there.
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Detailed Review – Top Ranking Commercial Truck Insurance Quote
Bizmove is one of the top websites to get you the commercial truck insurance quote that you need. This website comes with a wealth of information on the different trucking insurance options available to you. Additionally, they provide a toll-free number where you can speak with a representative to discuss your options and get the best commercial truck insurance quote available to you.
Progressive Commercial Review
The auto insurance giant Progressive also offers cheap truck insurance. You can also get a quality commercial truck insurance quote through their website. One of the perks of this website is that you can choose from a number of different commercial truck insurance options, including:
- Commercial auto
- Business insurance
- General liability
- Professional liability
- Workers comp
Quotemyrig.com is another quality website offering quotes for the best commercial truck insurance companies out there. You can get a commercial truck insurance quote in under two minutes by simply filling in your zip code and the commercial truck insurance or semi truck insurance you want or need.
Quotemyrig.com also offers a toll free number on their website and a whole variety of insurance options, including Physical Damage Insurance, MCS 90 insurance, FMCSA Insurance, Flatbed Truck Insurance, Dry Van Truck Insurance, Refrigerated Trailer Insurance, Containerized Freight Insurance, and more.
Another quality website to help you find the best trucking insurance companies out there is The TruckersReport. With TruckersReport, you can get multiple quotes from a number of different semi truck insurance companies.
Additionally, on their website, you can also find succinct but complete definitions of the different types of trucking insurance that is out there. These definitions can help newcomers to the industry know what to look for when they are looking for the best commercial truck insurance companies.
TruckInsure.com is another top website to help you find the best commercial truck insurance quote. With TruckInsure.com, you will receive a free commercial truck insurance quote in your email after filling out a simple questionnaire explaining what type of insurance you are looking for.
Image Source: Western Truck Insurance Services
To help you find the best commercial truck insurance companies, TrustedChoice.com is another quality website that you can use for free quotes. Not only does this website make it quick and easy for you to get a truck insurance quote, but you can also learn from the informative articles on their website about how to find the right insurance for your trucking needs.
Conclusion – The Top Trucking Insurance Companies for the Best Commercial Truck Insurance Quote
Getting cheap truck insurance is one of the top priorities of both individual truck drivers and trucking companies alike. Getting cheap commercial truck insurance, however, shouldn’t mean that you have to settle for less than optimum trucking insurance companies.
Taking your time to search for the best commercial truck insurance companies out there can help you save thousands of dollars each year — making trucking a much more profitable career. Finding the best commercial truck insurance quote will require a little bit of research and dedication on your part, but it should be well worth it in the long run.
The six websites reviewed above offer quality information on how to get a commercial truck insurance quote that will help you stay afloat in the trucking industry. There are a number of quality trucking insurance companies out there, and these websites should help you find a way to get the best deal for you and your company.
AdvisoryHQ (AHQ) Disclaimer:
Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.
Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.