Commercial Truck Insurance

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Are you looking for commercial truck insurance in California? If so, there’s no doubt that you’ve quickly realized that it’s a time-consuming, frustrating process. There are so many different companies and policies to choose from, and trying to sift through all of the different options to ensure that you get the best coverage possible at a rate that you can afford can be a tedious task. In fact, the process can take hours, if not days – or longer! Once you’ve finished researching, reading the fine print, and speaking with agents, you’re dizzy, exhausted, and frustrated because you STILL haven’t found a policy that meets your needs.

If the scenario described above sounds familiar to you (or if it’s a scenario that you want to avoid completely), you’ve come to the right place! At Incorporated Insurance Services, we know how important truck insurance is, and we also know how aggravating trying to find quality, affordable coverage can be, which is why we are committed to simplifying the process of finding truck insurance in the state of California.

We aren’t an insurance company, but rather, we’re an aggregator of insurance providers that offer policies for commercial truck drivers. What does that mean? It means that when you choose us for your commercial truck insurance, you won’t be dealing with just one insurance company; instead, you’ll gain instant access to options from companies that offer policies throughout the state. We work with numerous insurance providers that offer commercial truck coverage, and our professionally trained associates do the legwork for you by sifting through all of the different options to help you find the best coverage and the most affordable price quotes. What does that mean for you? Well, it means that when you choose Incorporated Insurance Services for your commercial insurance needs, you’ll not only be able to find reliable coverage from reputable companies that will truly meet your unique needs, but you’ll also save a tremendous amount of time and money.

Why is Shopping for Commercial Truck Insurance in California So Hard?

Like a lot truck drivers, you’re probably wondering what factors influence the cost of insurance policies. The state of California is a driving force of the US economy – literally! Goods that arrive at our ports need to get out to consumers across the country, and who transports a large portion of that freight? That’s right – commercial truck drivers! In order to meet the shipping demand, California is a haven for both truck companies and independent owner-operated commercial truck drivers, and to meet the insurance needs of all of these vehicles, there are tons of companies that offer commercial insurance coverage throughout the state.

While having access to so many insurance providers can be a good thing, as it means that you’ll have an easier time finding affordably priced coverage than commercial truck drivers in do in other states, having so many insurance companies can also be a big con, as sorting through all of the different options to find a provider that offers reliable coverage can be an overwhelming task. In the simplest terms, finding commercial truck insurance in California is difficult because there are just way too many insurance companies for a busy truck driver or fleet owner and operator to sort through. Further adding to the challenges is the complex, difficult to understand vernacular that insurance companies like to use. If you’ve ever read through the details of commercial truck insurance policies, you know exactly what we mean.

What Affects Trucking coverage Rates in California?

Insurance companies in all states take several factors into consideration when they’re determining the rates they charge for commercial truck coverage, and that’s certainly the case in California. Some of the following factors that insurance providers will take into account include the following:

  • Your driving record
  • The number of years you’ve had your commercial truck license
  • Your experience level
  • Your sex and age
  • How many miles you drive
  • The number of trucks you’re insuring
  • The type of commercial truck that needs to be insured
  • The kind of freight the commercial truck carries
  • Where the commercial truck is operated

How to Find Affordable Truck Insurance Rates in California

Now that you know why finding coverage in California can be challenging and the factors that are taken into consideration when setting rates, let’s take a look at some tips that you can use to find affordable coverage.

  • Shop around. Don’t just go with the first company you speak with; instead, get quotes from several providers and compare the quotes you receive
  • Avoid over-insuring your commercial truck(s). While you do need to make sure that you have the coverage that is required by law, you don’t need to go overboard with the coverage. A lot of insurance companies will try to sell you more coverage than you really need.
  • Consider completing courses and taking driving tests that will showcase your skills and provide you’re a safe driver. While it isn’t guaranteed, this strategy could help you secure lower rates.

Incorporated Insurance: Committed to Meeting Your Needs and Exceeding Your Expectations

To avoid the stress that is so commonly associated with shopping for insurance coverage, to save yourself a tremendous amount of time, and to get the most affordable rates possible, when it comes to shopping for commercial truck insurance, forego the DIY approach and contact a pro instead!

The professionally trained, highly knowledgeable, and experienced associates at Incorporated Insurance are committed to helping our clients secure the most reliable and affordably priced commercial truck insurance coverage. Our entire staff will answer all of your questions and will always go the extra mile to not only meet your needs, but to exceed your expectations. When it comes to insurance your commercial truck, you shouldn’t settle for anything less than the best, and when you choose Incorporated Insurance do assist you, you can rest assured that you’ll not only find the best coverage, but you’ll also save a whole lot of time and money. Call us today! Our knowledgeable and friendly associates are standing by and ready to assist you.