Owner Operator Truck Insurance Question

[cagarza10]

Hey everyone,
just bought a new truck and I am completely lost on what insurance to get. Some insurance companies say they can give me lower premiums, others say they can use my telematics data to make me safer on the road, others say they have the most comprehensive coverage, and others say they can do quicker than average claims driven by data where I don't have to call anyone on the phone. Was wondering if y'all could let me know where y'all get your information on truck insurance and let me know which of these factors/features I should value the most or if there is something else I should be looking for?

 

[ironpony]

You need general liability, bobtail insurance and cargo insurance.

You need to look for the best deal you can get... the lowest premium. Ask for a quote on those coverages in the area you want to operate in.

Other coverage you might want could include towing coverage, wreck clean up, covering reefer failures if you're going to do temperature controlled.

Where you live will affect the price considerably - if you're in a no fault state - move.

 

[mndriver]

Are you leased to a company or own authority?

 

[amylg2612]

you need Commericial Auto, Cargo and Physical Damage, shop around to see who can give you the lowest premium, make sure they are A rated as well so you wont have problem getting loads, if you need more help just dm me

 

[Sinister]

@Mike got terrorism insurance. Because hes lactose intolerant and when he drinks milk its considered a weapon of mass destruction.