Dart Podcast Network Releases National Driver Appreciation Week Episode

Earlier today, Dart Transit Company reported the release of an upcoming National Truck Driver Appreciation Week themed episode on its Dart Network Podcast, now available online.

The upcoming podcast episode, part of the Dart Network Podcast launched over two years ago, will feature interviews with Dart drivers, department heads, and leadership figures regarding National Truck Driver Appreciation Week.

“Truck drivers may very well be the most under-appreciated workforce in America. We can all at times take our most precious resources for granted. It’s human nature,” said James Langley, President of Dart Transit Company. “We often take for granted our spouses, our children, our jobs, and other very important parts of our lives.”

Available on Spotify, iTunes, Stitcher, and other platforms that host podcasts, The Dart Network Podcast was originally released during National Truck Driver Appreciation Week in 2016.

Dart reports that the idea to show support for the week through a podcast comes from the effectiveness and popularity of the podcast.

“When we started looking at our plans for Driver Appreciation this year, we thought the Dart Network Podcast could provide a great avenue for the office staff to express their appreciation for the men and women on the road in the Dart Network,” said Russ Moore, Dart’s Vice President of Communications & Marketing. “We are always looking for new ways to connect with the company drivers and owner-operators in the Dart Network, and the podcast has become an effective platform for us.”

Dart reports that the company will participate in other activities to commemorate National Truck Driver Appreciation Week, including company lunch events at Dart locations across the country.

“Sometimes, it takes weeks like Driver Appreciation Week for us to properly reflect on the value our drivers and owner-operators truly bring not only to Dart, but to our country,” said Langley. “Our driving community not only keeps our nation moving, but it also provides every single person at Dart an opportunity to earn a living, one that should be in a never-ending act of service not only to our customers, but to the lifeblood of our company and economy, our drivers It can never be said enough, but thank you for what you do for Dart, and thank you for what you do to keep America moving.”

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Farmers Insurance hit with landmark fine for telemarketing

In a landmark ruling, Missouri Attorney General Chris Koster said Monday he had fined California-based Farmers Insurance Exchange, Truck Insurance Exchange and Fire Insurance Exchange $575,000 for violating state telemarketing and No-Call laws.

This is the largest amount ever paid by a telemarketer for Missouri No-Call and telemarketing violations.

The settlement agreement filed in St. Charles County Circuit Court also requires Farmers to adopt policies and procedures to prevent future telemarketing and No-Call violations, and to embark on a program of training and annual audits of its agents, which sell home, life and auto insurance.

Koster said the Attorney General’s Office received more than 275 No-Call complaints over a four-year period about Farmers’s “harassing telemarketing practices”. Many consumers complained that they continued to be contacted by Farmers agents after instructing them not to call. Koster said unwanted telemarketing calls annually rank highest on the list of complaints received by the Attorney General’s Office.

“Farmers Insurance simply looked the other way while its agents were flouting Missouri’s no-call law, illegally bombarding Missouri consumers with unwanted telemarketing calls,” Koster said. “This historic settlement combined with new training requirements should ensure Farmers reforms its practices to protect Missouri consumers.”

Koster is known to be a vigorous campaigner against harassing telemarketing practices. Also Monday, he announced his office has filed a lawsuit in federal court against Charter Communications for violating federal and state telemarketing and No-Call laws.

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Some Insurance Companies Will Give Multi-Policy Discounts

Truck insurance is something on which you can drive a hard bargain. It is very competitive. You can save a lot of money by finding the best quote. Here are some tips to help you on your way. Research will bring you to your destination: a good policy at a good price with a good agent.

If you have a new driver you can find out if their own policy would cost less. Depending on the vehicles involved it is sometimes cheaper overall to buy them a different policy.

The notion that truck insurance premiums drop instantly when a driver reaches age 25 is a common misconception. Actually, rates start dropping around age 18, so long as the driver has a solid record of safe driving.

Lower your truck insurance premiums by taking a safe driver class. Many truck insurance companies will offer a discount if you can provide proof of completion of a safety driving class. Taking, and passing, such a class gives the insurance company a good indication that you take your driving skills seriously and are a safe bet.

To maintain a low price for truck insurance, always try to have a good driving record. Traffic violations and accidents can greatly increase your premium. Insurance companies take these things very seriously and it is always best to try to avoid accidents, when you are at fault, and traffic tickets, such as speeding.

If you do not have a vehicle yet, be sure to think about what the insurance premium will be for the type of truck that you will buy. The type of truck that you drive plays a great part in calculating your premium. Your insurance premium will be higher if you own a sports truck or a truck that is high in value.

Even though you may be loyal to a certain truck insurance company, it pays to shop around for other companies each year. The prices of truck insurance are constantly taking and by not looking around, you could be spending far more on your current insurance than you would be with another company.

If you’re searching for lower rates, you might want to consider driving less. Simply put, if you drive less, your chances of an accident decrease. Most companies have low-mileage discounts for people that have a short commute or drive only a few miles a year. Ask your insurance company and see if you can receive that discount.

Install an alarm in your vehicle. Getting an alarm for your truck can protect it from being stolen or vandalized. It can also help to lower your premiums. Check to see if your truck insurance provider offers a discount for having an alarm. If you already have a truck alarm, make sure you inform your provider.

If you have a vehicle that is not worth much, consider getting only liability coverage on it. You can save a lot of money this way. You should know that if you have an accident that is your fault with liability coverage, you will not be covered, only the other driver will be covered.

When you are making the final decision about your new truck insurance provider, you need to check out the company’s payment plan option. Is your premium due monthly? What happens if you make a late payment? All of these answers could lead you to find another company with more lenient practices with respect to premium payments.

When you purchase a new truck, you should keep your insurance rates in mind and look for the best safety features you can get. Safer trucks are cheaper to insure. Because insurance companies are responsible for medical liability, they will charge a lower premium for safe trucks that minimize injuries in an accident.

Drive safely and observe the rules of the road to lower your truck insurance rates. If you avoid accidents and tickets, you may qualify for a discount as a safe driver. Of course, being a safe driver will save you money all around in terms of ticket expenses and wasted gas, as well as getting you the lowest insurance rates.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

These tips have given you a lot to think about. If you drive, you have to have insurance. Your insurance policy can give you a sense of secure coverage. Also, as these tips have shown, a little research can give you this security at a good price, perhaps enabling you to save hundreds of dollars every year.

Ideas To Help You With Making A Decision About Truck Insurance

Truck insurance is just as much of a necessary expense as gasoline for every driver. Since you have to buy it why not learn how you can get the best insurance for the money you spend? There are plenty of steps you can take to get truck insurance that treats you better and costs you less.

When considering truck insurance for a young driver, be sure to consider building up his or her credit, prior to shopping for insurance. This will not only assist with the new driver being able to get a possible better rate, but will also help when the young person may need other large purchases or loans in the future.

When trying to keep down the cost your truck insurance, try to maintain a clean credit record. For some reason, truck insurers believe that people with a better credit record are also better drivers and will suffer fewer accidents. Knowing your credit score puts you in a better position to negotiate for lower rates.

Saving money on truck insurance doesn’t always happen as soon as you sign your policy. One of the best ways to save is to stick with the company for a few years while proving you are a safe driver. As your driving record remains unblemished, your monthly premiums will start to go down. You could save hundreds each year that you avoid an accident.

Take a driving course. Defensive driving, safe driver, and superior driving courses all show your insurance company that you are both a cautious and safe driver. Bring your certificate in to your insurance agent, and let them make a record of it. Many companies reward safe drivers with lowered premiums.

Know what the different types of coverage are and what types are available to you in your state. There is body and and property liability, uninsured motorist coverage, coverage of medical expenses, collision and comprehensive coverage. Don’t assume your plan includes all types of coverage. Many insurance companies offer a la carte plans.

Stay out of the gap. If you have more financed on your truck than it is worth, if your down payment is less than twenty percent, or if you lease, you should add Gap Coverage onto your truck insurance policy. The Gap Coverage will cover the additional amount, over the worth, if you total your truck or it gets stolen, and the entire amount of the loan will be paid off.

Pay a yearly sum for your truck insurance. Some companies charge a little more to put their customers on a monthly billing plan. If you are able to pay off the bill in one lump sum for the year, you could save some money and you will have one less bill to worry about.

Insurance companies base their rates on their past experiences with their customers. If you hear something about a general trend regarding one type of vehicle, this might not reflect how all insurance companies view that particular vehicle. You should request quotes from several companies and compare them: you might notice a rather big difference.

A great tip to use to save money on your truck insurance is to pay for the policy in full. By doing this, you can save upwards of 30% on your truck coverage. Paying month to month may be more convenient, but it can also be a lot more expensive. Paying in a lump sum is preferable if you have the means to do so.

If your truck is in good shape and you have few assets you need to protect, a great truck insurance tip is to get coverage that is 100/200/100 level. In most states you are required to have a designated minimum level of liability coverage, so always make sure to be covered by this minimum amount in case of an accident.

Reduce your truck insurance payments by raising the deductible on your policy! This can save a substantial amount of money, but keep in mind that you are essentially self-insuring for part of any damages. This means that you should have the amount of the deductible saved and ready to use in case you do happen to get into an accident.

If you consider yourself to be a good, safe driver, then perhaps you should consider letting your insurance company put a monitor in your truck. For great discounts, they will put a tracker in your truck which monitors driving habits, whether good or bad, and base their rates and discounts on what type of driver you are.

Be smart about which claims you put it to your truck insurance company. Weigh the total cost of the damage against how much you have to pay for your deductible. If the difference is only a few hundred dollars, it may not be worth the extra premiums that the company is likely to charge you after you make your claim.

Let your insurance agent know that you are interested in saving money on your insurance premium – perhaps you may be eligible for discounts that you didn’t even know about. Many companies will offer discounts to seniors or to drivers who have a record of safe driving. See what you might be eligible for!

Many insurance companies offer a variety of discounts to their clients who qualify. One discount that many companies offer pertains to those customers who tend to drive less than the average person. If you drive infrequently, ask your insurance agent if you might qualify for this type of discount.

A big part of setting the cost for your truck insurance premiums has to do with the type of truck that you drive. Remember that when you are in the market for a new truck – trucks that are more expensive to repair, for example, will often result in higher insurance rates.

Since everybody needs truck insurance, it is a mystery that not everyone educates themselves on how to get the best coverage. Even a little bit of learning can pay off with big savings and much improved insurance. After reviewing the tips in this article you are on your way to improving your truck insurance situation.

Costco drops trucking company accused of labor violations

Costco, one of the world’s largest retailers, has stopped doing business with a California trucking company accused of trapping drivers in debt and then using it to force them to work overtime.

The action comes as brands across the U.S. face increased scrutiny for ignoring labor abuses in their supply lines, a widespread problem first revealed in a USA TODAY Network investigation in June.

Earlier this month, four prominent Democratic Senators, led by Sherrod Brown of Ohio, sent letters to 16 retailers, calling on them to root out “shameful” labor abuses first outlined by the USA TODAY Network.

Soon after, Costco Wholesale dropped Pacific 9 Transportation, one of the biggest port trucking companies in Southern California.

Hewlett-Packard also sent an auditor to investigate the company’s labor practices.

Both retailers declined to comment on their actions. Alan Ta, chief operating officer for Pacific 9, said that even before Costco withdrew, his company had stopped leasing trucks to drivers and launched a series of reforms to improve their pay.

A wave of pressure from retailers and manufacturers has hit port trucking operations across the industry, according to drivers who say their employers have been fielding calls from clients.

Those clients include Walmart, which pledged in a letter responding to the senators that it would cancel contracts with any trucking company that did not provide “assurances” it was following fair labor practices.

“The stories profiled in that article are deeply concerning,” Executive Vice President Jay Jorgensen wrote of the USA TODAY Network investigation, “Rigged.”

“Any motor carrier that fails to comply with law, such as those alleged in the article, would be in violation of our contract and would therefore be subject to cancellation,” he wrote.

The series revealed how port trucking companies in southern California have spent the past decade forcing drivers to finance their own trucks through company-sponsored lease-to-own programs they could not afford.

The longer drivers worked, the more trapped they felt. After just a few months, drivers typically had paid thousands of dollars towards a truck.

If drivers quit or got fired for any reason, most of them lost the truck and everything they had paid in. Many worked 20 hours a day to keep up with their truck payment and feed their family.

For years, Pacific 9 used the same kind of lease-to-own program.

Forty drivers have won California labor commissioner cases against Pacific 9, accusing the company of using the leases to cheat them of fair pay. Half of them testified that they had to work up to 19 hours a day, violating federal fatigue laws for truckers.

As the USA TODAY Network began investigating and as labor judgments piled up against Pacific 9, the company stopped using leases. In April 2016, facing almost $7 million in court-ordered back pay and penalties, the company filed for bankruptcy protection.

It has since started rehiring drivers as full-time employees and stopped charging them truck expenses.

Ta and many of his drivers said the company is now working to become a model for the rest of the industry.

Pacific 9’s sudden loss of business comes at a precarious time for the company – the tail end of drawn out bankruptcy negotiation with truckers.

Drivers and their attorneys sent at least two letters to the senators pleading with them to ease pressure on retailers using Pacific 9.

Rivera and Shackelford, a San Diego firm representing some Pacific 9 drivers, said Costco’s decision might “lead to the closing of Pacific 9 altogether,” undoing months of negotiations and possibly leaving drivers empty-handed.

“We believe this would be a tragedy,” the attorneys wrote.

Some drivers feel the same — even those who once testified about pervasive labor abuses inside the company.

“Pacific 9 has followed through on its commitments to us drivers,” wrote trucker Santiago Aguilar, who filed a labor claim against the company in 2013 and has since been rehired as an employee with full protections. Aguilar’s letter was signed by 13 others at the company. “Now, I get a fair day’s pay for a hard day’s work,” he said.

Pacific 9 is one of the busiest operators at the Long Beach and Los Angeles ports, according to port truck data obtained through a public records request.

Using the data, reporters tracked the movement of the company’s 160 trucks and found that they were on the clock for more than the 14-hour maximum set by federal law at least 7,500 times over three years. Almost all of the company’s rigs exceeded the time limit set for commercial truckers at least once.

But executives say those practices are a thing of the past.

“We have made significant change in our company and to our industry,” Ta said in an email.

Other companies that have used Pacific 9, either directly or as a subcontractor, include Hasbro and Goodyear. Hasbro did not respond to multiple requests for comment.

Goodyear spokesman Keith Price said the tire giant “took immediate action and ceased use of Pacific 9 within two weeks of the California Labor Commission’s ruling against them.”

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Workers’ Compensation Insurers Face Rise in Motor Vehicle Accidents

Although there has been an overall decline in workers’ compensation claims, the frequency of claims for motor vehicle accidents has increased in recent years.

According to the National Council on Compensation Insurance (NCCI) in a new report, these accidents can be very severe and are responsible for a significant portion of fatal workers’ compensation claims.

“While workers compensation claims have been declining, motor vehicle accidents have been on the rise over the last five years,” said Jim Davis, author of the paper and NCCI director and actuary. “These often involve very serious injuries that can take their toll on injured workers and their families.”

NCCI actuaries found that from 2011 to 2016, the frequency of all claims declined by 17.6 percent, while the frequency of motor vehicle accident claims increased by five percent.

Additionally, 41 percent of fatal workers’ compensation claims were the result of a motor vehicle.

According to the workers’ compensation rating organization, motor vehicle accident claims cost 80 percent to 100 percent more than the average claim because they involve severe injuries. These claims also tend to represent a higher share of the costliest claims. Over a five-year period, motor vehicle claims accounted for 28 percent of workers’ compensation claims above $500,000, versus just five percent of all claims.

What’s Driving Accidents

While numerous factors may explain the rise in accidents, the NCCI report notes that it is “striking how the increasing popularity and use of smartphones coincides with this growing trend” of motor vehicle accidents. By the end of 2010, approximately 27 percent of all cell phones were smartphones but by the end of 2016, that figure had tripled to 81 percent, the report notes.

Bill Donnell, president and CEO of NCCI, said this points to distracted driving as a key contributing factor.

“It’s time for all stakeholders to better understand and work together to address this important societal issue,” Donnell said.

The increase in motor vehicle accidents is not limited to workers’ compensation. NCCI found a similar pattern in the general population, with accidents generally increasing over the same time period, along with an increase in the number of traffic accident fatalities.

Over the same period that motor vehicle accidents increased, smartphone use grew. According to the National Safety Council, a minimum of 27 percent of crashes involve drivers talking and texting on their phones. However, that report also states that driver cell phone use is likely highly underreported and, therefore, substantially underestimated.

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Fantastic Tips To Try For Your Truck Insurance Needs

Insuring your truck not only protects you in the event of theft, damage, or a collision, it is mandatory in the United States. Depending on your finance status, your lender may also require certain amounts of insurance. Read this article for some tips on how to make the most of your truck insurance policy.

When it comes to truck insurance, a good tip is to pick a more affordable choice of truck, especially if you have a teenager of driving age in the household. For instance, if you have a choice between a sedan or a sports truck, go with the former. Insurance for a sports truck is always more expensive.

Having truck insurance is a necessary and important thing. However there are things that you can do to help keep your costs down so that you have the best deal while still being safe. Check out different insurance companies to compare their rates. Reading the fine print in your policy will help you to keep track of whether or not terms have changed or if something in your situation has changed.

As long as your truck insurance is in accordance with state law, you should not have to purchase a more comprehensive package. This is a great way to save money. If you are a safe driver in a relatively safe area, you can drop certain features like collision coverage and end up saving a bundle of money.

There are a lot of factors that determine the cost of your truck insurance. Your age, sex, marital status and location all play a factor. While you can’t change most of those, and few people would move or get married to save money on truck insurance, you can control the type of truck you drive, which also plays a role. Choose trucks with lots of safety options and anti theft systems in place.

Consider purchasing your truck insurance policy online. Many companies offer a discount for online purchases. The companies do this because it costs them less to use an automated system to begin your policy. In most cases, you will see a five to 10 percent reduction in your quote for the policy.

Having an expensive truck or truck that is considered a sports truck will often increase the price one pays for truck insurance. If one does not like the sound of that then they should consider getting a different type of truck. It will not only save them insurance money but often money off the truck itself.

If you are a newlywed, have your truck insurance policies combined. Companies offer something called a “multi-car discount”?, which means that you will save money just by putting your trucks on the same plan. If the two of you don’t have the same insurance company, consider changing one of your policies.

To make sure you’re getting fair pricing in your premiums, verify that your reported information is accurate in your policy. For example, ensure that the make/model of your vehicle is correct, the number of miles on the vehicle when you took out the policy, etc. Even your reported commuting distance is important as shorter commuting distances can have a positive effect on your premium savings.

If you are buying a brand new truck, you should be aware that the truck’s warranty probably provides services such as towing or pays for a rental truck while yours needs repairs. If you warranty covers these features, you should drop them on your insurance. When you warranty expires, do not forget to upgrade your insurance again.

Add your husband or wife to your policy. This can reduce your rates greatly because it shows stability. This shows the insurance company that you are a stable and secure driver. This will lower your rates even more than being unmarried or just adding someone that is older, to your policy.

You should look at your insurance policy very carefully before making a payment. One section that you should look at in particular is a section that refers to what kind of parts they will cover if you should get into a truck accident. Some insurance policies do not cover original manufacturer parts. You should get this ironed out before you get the insurance.

When you are hunting truck insurance discounts, check with all of the clubs and organizations you belong to, not just truck-related ones. Professional organizations and major service clubs (like the AARP), often have truck insurance deals to offer to their members. Taking advantage of organizational discounts can save you plenty of money.

There are a lot of factors that determine the premium you pay for your truck insurance policy. Much of that price is determined by the truck that you have insured. If you truly want the lowest possible cost, ask your agent what trucks, years and safety features will net you the lowest possible price.

You should know when it comes to truck insurance that your age, gender, and driving history affect your premiums. Amongst these the only one you can control is your driving history, so you should aim to keep your driving history as pristine as possible in order to keep your premiums as low as possible.

Choosing a higher deductible will lower your insurance premiums. If you have to pay a high deductible, you are liable for repairs, but you can get protection from total loss or to other’s property. Having a high deductible makes sense if your truck has a low value.

Truck Insurance

A great way to save some money on your truck or truck insurance is to drive your vehicle less frequently. Many of today’s best truck insurance companies offer discounts to customers for low-mileage, incentivizing people to keep their trucks parked. If you can walk instead of drive, you can get some good exercise and save money on your insurance.

Purchasing truck insurance is not generally optional, and there are, in fact, many options available within this requirement. There are ways to reduce your costs and improve your coverage. Having read this article, you should be better informed about these options and ready to make the best decisions about insurance.

The Septic Truck That Crashed into Centre Elementary School Was NOT Insured

The truck that crashed into the Centre Elementary School on October 28th was not insured according to the information obtained by WEIS Radio News.

The Cherokee County School Board is now working with their Insurance Carrier, Risk Management, to get the building repaired. School Superintendent, Mitchell Guice, tells WEIS Radio the amount of damages to the building exceeds $125,000. He said the repair plans and drawings have been submitted to the State Building Commission for approval. Guice said repairs will begin once the Commission gives their approval.

The driver of the Witt Septic Service truck was 61 year old Phillip Lee Witt of Leesburg. He was charged with DUI and was taken to the County Detention Center. Witt made bond the next day and was released.

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Getting The Savings You Deserve With The Best Truck Insurance Tips

When you get into a truck accident, the last thing you want to think of is the fact that you don’t have truck insurance. It’s so important that most states legally mandate you to have it to operate your vehicle. Picking the optimal one for you can be difficult, though. Should you prioritize the best possible or the cheapest? This article will help you find the truck insurance plan that is best for you.

When shopping for a new truck, be sure to check with your insurance company for any unexpected rate changes. You may be surprised at how cheap or expensive some trucks may be due to unforeseen criteria. Certain safety features may bring the cost of one truck down, while certain other trucks with safety risks may bring the cost up.

One overlooked way to save money on your truck insurance is to stick with the same company for an extended period of time. Most insurance companies offer reduced rates to long-term customers which can add up to big savings over time. So, find an insurance agency to your liking, stick with them and watch your premiums go down.

Insurance companies figure up your monthly payments in part based on the risk you present as a driver. To lower this risk factor, you can make sure your truck or truck is parked away in a garage. Not only does keeping your truck in a garage help prevent theft, but it also helps prevent weather damage and other damages that may occur.

If you are putting less than 20% down on your truck, make sure to look into getting GAP truck insurance. Should you have an accident while you are still in the first year or two of payments, you may end up owing the bank more money than you would receive in a claim.

Check with your truck insurer to find out if registering your spouse as a co-driver can help reduce your premiums. Many insurance companies offer discounts in such situations. Their reasoning is that married drivers are motivated to drive more cautiously. If your insurer offers such a deal, be sure to take advantage of it.

To get the best price on your truck insurance policy, make sure that the one you currently have includes correct information about your vehicle. Double check the listed age and make of your truck and look to see that the mileage they have is right. Make sure that any special circumstances, such as a short drive to work, are mentioned.

When choosing an truck insurance policy, look into the quality of the company. The company that holds your policy should be able to back it up. It is good to know if the company that holds your policy will be around to take care of any claims you may have.

You should choose a popular and recent vehicle over anything else. If your vehicle needs to be repaired, parts will be easy to find and remain relatively cheap. With an older model, you might have to order the parts or with a rare foreign brand, have the parts shipped from overseas. This will raise your insurance, or not be covered by it.

Top tier status refers to the percentage of customers from a insurance company that have filed the fewest claims and have the best driving record. Perhaps you qualify as a top tier customer, or your status will improve over the years. Make sure you ask your insurance company to be considered as a top tier customer, as they might not switch your classification automatically.

Did you know that what type of area you live in is a variable in how much you will pay for truck insurance? If you live in a large city, you are more likely to have an accident with another truck and this in turn increases the price of your policy. You might want to consider paying a higher deductible in order to offset the higher premium cost.

Don’t just get the basic coverage that your state requires and think you are off the hook. Make sure you really analyze the value of your truck and potential problems you have before deciding on a final policy. Many times the basic requirement is not much more than liability insurance and this can leave you high and dry.

Don’t let just anyone drive your truck. If you let your friend borrow your truck, and they don’t have truck insurance and wreck, it will cause your insurance to go up. In addition, any damages that your policy doesn’t cover, you will end up being responsible for them, not your friend.

You should call your insurance company if you get a DUI. There are some states that require drivers who have gotten a DUI to get a certain type of insurance coverage in order to be able to drive on the road. This coverage is often more expensive and needed for an extended period of time. Your insurance agent should be able to give you all the information you need.

Buy your insurance through the internet. Sometimes companies offer lower rates if you sign up for their service online, and some companies have deals available online only. This is because the service is automated and you don’t have to deal with an agent. You may see rates reduced up to 10% or more.

If you have multiple drivers insured on your policy, make sure that you report to your insurance company if someone stops using your vehicle. Extra drivers mean extra risk, so removing drivers is one way to reduce a premium.

Don’t drive without truck insurance. It can be a big gamble, and it’s also illegal. This article should have pointed you in the direction you need to figure out what truck insurance is best for you. While your financial situation may force you to pick something less than optimal, the tips given here will help you understand your policy and select the plan that’s right for you.

Reevaluate Your Truck Insurance Venture With These Tips

Truck insurance doesn’t just insure your vehicle, it can also cover medical expenses from a vehicle wreck as well as protecting you from being sued for additional expenses from being in a wreck. This article can help you choose the right amounts of coverage in the right areas to protect all of your assets.

When it comes to truck insurance, a good tip is to pick a more affordable choice of truck, especially if you have a teenager of driving age in the household. For instance, if you have a choice between a sedan or a sports truck, go with the former. Insurance for a sports truck is always more expensive.

As you age, check with your truck insurance company about discounts. If you have a long history of safe driving habits, your age might qualify you for further rate reductions. Most insurance companies have a sweet spot around fifty five to seventy years of age for age-related discounts on their policies.

People with clean driving records, will pay the least in truck insurance premiums. Keep your record clear of tickets, moving violations, and accident reports if you want to lower your premium or keep it inexpensive. A single accident or ticket will likely increase the amount you have to pay.

Add your spouse to your insurance policy. Insurance companies are notorious for wanting stable and responsible customers. Adding your spouse to your policy signifies that you have become more stable and reliable, and many companies will lower your rates just for that reason. If your spouse has a clean driving record, that can help lower your rates as well.

Young drivers can save money on their truck insurance if they register an older driver as a part-time user of their truck. There is no group of drivers subjected to higher insurance premiums than teenagers. However, insurers will be encouraged to see an older, more responsible driver sharing the driving duties with a teenager. They will reduce premiums accordingly in such a situation.

If your insurance contacts you about an increase in your premium, find out if it is justified or not. A practice known as data mining is used by certain unethical companies: they refer to a consulting firm that will create fake data that would justify an increased premium. If you catch your insurance company doing this, switch immediately to another one.

Did you know that what type of area you live in is a variable in how much you will pay for truck insurance? If you live in a large city, you are more likely to have an accident with another truck and this in turn increases the price of your policy. You might want to consider paying a higher deductible in order to offset the higher premium cost.

You need to find out important details about your insurance policy before agreeing to it. You should know how much you are going to be paying for the policy and exactly what it covers. There are some policies that cover very little and some that are very detailed and that cover a plethora of possible events.

Figure out how many miles you drive in a year before you get a truck insurance quote. This is another large factor in truck insurance premiums, so you want to make sure the company has an accurate estimation of the amount of time you spend on the road. This could add up to big savings on your quote.

If you are looking for truck insurance, be sure to research and compare insurance providers to find the best policy for you. Doing your research will not only save you money on premiums, but will also give you peace of mind knowing that you are dealing with a trusted, reputable insurance company.

When you are making the final decision about your new truck insurance provider, you need to check out the company’s payment plan option. Is your premium due monthly? What happens if you make a late payment? All of these answers could lead you to find another company with more lenient practices with respect to premium payments.

Know the laws in your state concerning truck insurance. In almost every state, truck insurance is compulsory. You can face stiff fines and penalties for not carrying adequate truck insurance. Some states are even known to jail repeat no-insurance violators. Educating yourself is important so that you can comply with the laws.

When trying to decide on an insurance company for your truck insurance, you should check into the department of insurance from your state. You will find some valuable information there which will include closed insurance cases, important financial data as well as licensing information. This research will help you decide if you feel comfortable trusting this insurance company.

Truck insurance companies carry reputations, and you are best served by investigating where they stand in the public eye. Lower rates are not the only factor to consider when shopping for truck insurance. It is not uncommon for the cheapest insurance plans to skimp on things like customer service, cooperation, and compensation for claims.

You should know when it comes to truck insurance that your age, gender, and driving history affect your premiums. Amongst these the only one you can control is your driving history, so you should aim to keep your driving history as pristine as possible in order to keep your premiums as low as possible.

If you want to get cheap rates on your truck insurance one of the things that you can do is to add an older driver to your insurance coverage. Most insurance companies decrease premiums taken by younger drivers if an older driver is on the same insurance coverage. This is because older drivers tend to drive safer than younger drivers.

As already put forth, truck insurance protects so much more than just your truck. It can be the difference between being sued or having your insurance company take care of details like that for you. By using the information in this article and choosing the right insurance, you can protect your truck, your passengers, and your assets.