User's blog

Tag: Commercial Truck Insurance

  • Renewals: A Comprehensive Guide – Why Logrock Truckers Stay Ahead

    At Logrock, we know that when it comes to trucking, time is money—and paperwork is a pain. That’s why we’ve made renewals simple, smart, and stress-free. Whether you’re renewing your DOT compliance, insurance, or fleet documents, staying current means staying on the road. And nobody handles it better than Logrock.

    What Are Renewals?

    Renewals are your yearly or periodic check-ins to keep your business legal and running. Think:

    • DOT registration updates
    • UCR renewals
    • Insurance filings
    • Driver qualification files

    Miss one? You risk fines—or worse, downtime.

    Why Renew with Logrock?

    ✅ We Keep You On Track
    Our platform sends you real-time alerts before anything expires. No more guesswork, no more last-minute scrambles.

    ✅ Easy to Use
    Our dashboard is built for truckers, not techies. One login. One view. Everything in order.

    ✅ Expert Support
    Got a question? Our compliance experts are here to help you hit every deadline and dodge every fine.

    ✅ Saves You Money
    Fines for late renewals can run into the thousands. Renewing on time with Logrock? That’s money in your pocket.

    One Renewal at a Time, One Less Thing to Worry About

    Your focus should be on the road, not the red tape. That’s why more and more truckers choose to renew with Logrock —the only platform built to keep your wheels turning and your business compliant.

    Still not signed up? Let’s change that. Contact us today!

  • The Independent Trucker’s Roadmap‬

    From Authority to Hauling and Thriving‬.

    Welcome to‬‭ The Independent Trucker’s Roadmap‬‭ – a simple,‬‭ no-fluff guide designed to help‬

    ‭ you go from a dream of owning your trucking business to running a profitable, compliant, and‬

    ‭ long-lasting operation.‬

    ‭ Whether you’re a seasoned CDL driver transitioning into independence or just getting started in‬

    ‭ the industry, this guide will walk you through:‬

    ● Applying for your motor carrier authority‬.

    ● Securing insurance and staying compliant‬.

    ● Finding freight and negotiating loads‬.

    ● Managing maintenance, cash flow, and growing smart‬.

    ‭This guide was written to help owner-operators launch and succeed. You’ll gain clear steps and‬

    ‭ tools that save you thousands in mistakes and missed opportunities.‬

    ‭ Let’s get rolling. 🛻💨‬

    ‭ Step 1: Getting Your Authority‬

    ‭ Becoming an independent carrier starts with‬‭ applying‬‭ for your own authority‬‭ from the Federal‬ Motor Carrier Safety Administration (FMCSA). This gives you the legal ability to haul freight as a‬ for-hire motor carrier.‬

    ‭ What You’ll Need:‬

    ‭ 1.‬‭ USDOT Number‬○

    ‬‭ Register online at https://www.fmcsa.dot.gov/registration‬

    ○ Used to track safety, inspections, and compliance.‬

    ‭ 2.‬‭ MC Number (Operating Authority)‬

    ○ Also filed through FMCSA.‬

    ○ Cost: $300 (as of now)‬

    ‭ 3.‬‭ BOC-3 Filing‬‭ (Process Agent)‬

    ○ Required to designate legal agents in each state.‬

    ○ Often handled by third-party companies for $20–$50.‬

    ‭ 4.‬‭ UCR Registration‬‭ (Unified Carrier Registration)‬

    ○ Required if you cross state lines.‬

    ‭ 5.‬‭ Drug & Alcohol Testing Consortium‬

    ○ Required for CDL drivers.‬

    ○ You must enroll before operating.‬

    ‭ 6.‬‭ Heavy Vehicle Use Tax (Form 2290)‬

    ○ Filed with the IRS if your truck weighs 55,000 lbs or more.‬

    ‭⚠ Pro Tips:‬

    ● Don’t fall for online scams charging hundreds to “help” you register. You can do it‬

    ‭ yourself or work with a trusted professional.‬

    ● Keep all FMCSA login credentials and numbers in a secure place.‬

    ●‬‭ Consider forming an‬‭ LLC‬‭ before applying for your authority‬‭ to protect yourself legally.‬

    ‭ Step 2: Insurance & Compliance‬‭ You can’t get your MC number activated without proof of insurance. This is where a reliable‬ insurance agent (like you) becomes crucial.‬

    ‭Required Insurance Types:‬

    ● Primary Auto Liability:‬‭ $750,000 minimum (most brokers‬‭ require $1 million)‬.

    ● Cargo Insurance:‬‭ Protects the freight you’re hauling‬‭ (usually $100K minimum)‬.

    ● Physical Damage:‬‭ Covers your truck and trailer‬.

    ●‭ Bobtail/Non-Trucking Liability:‬‭ When driving without‬‭ a trailer for personal use‬.

    ●‬‭ General Liability (Optional but recommended)‬.

    ‭Other Compliance Requirements:‬

    ●‬‭ IFTA (International Fuel Tax Agreement)‬.

    ●‬‭ IRP (International Registration Plan)‬‭ for apportioning‬‭ license plates‬.

    ●ELD (Electronic Logging Device)‬‭ for HOS tracking‬.

    ●‬ Driver Qualification File & Drug Program‬.

    ● DOT Number Stickers and Truck Markings‬.

    ‭⚠ Pro Tips:‬

    ●Your safety record and driving history will impact your insurance cost.‬

    ● Make sure your equipment is up to DOT standards before inspection.‬

    ● Stay compliant with‬‭ MCS-150 updates‬‭ ,‬‭ biennial filing‬‭ ,‬‭ and‬‭ random drug testing‬

    ‭ pools‬‭.‬

    ‭ Step 3: Setting Up Your Trucking Business‬

    ‭ You’re now legal — but are you ready to operate as a business?‬‭ 

    🏢 Legal and Financial Setup:‬

    ● Form an‬‭ LLC‬‭ or‬‭ S-Corp‬‭ through your state’s Secretary‬‭ of State website.‬

    ●Apply for an‬‭ EIN‬‭ (free at IRS.gov)‬

    ● Open a‬‭ business bank account‬.

    Sign up for‬‭ bookkeeping software‬‭ like:‬

    ● QuickBooks Self-Employed‬

    ● TruckLogics‬

    ● Rigbooks‬

     📂 Must-Have Documents:‬

    ● Rate confirmations‬

    ●‬‭ Invoices‬

    ● Fuel receipts and maintenance logs‬

    ● Insurance certificates‬

    ‭ ⚠ Pro Tips:‬

    ● Separate personal and business expenses to avoid tax issues.‬

    ●‬‭ Track every mile, load, and dollar from the start.‬

    Step 4: Getting Your First Load‬

    ‭ Now it’s time to get paid. Here’s how to land that first haul:‬

    ‭ Where to Find Loads:‬‭

    ●‭ Load Boards:‬‭ DAT, Truckstop, 123Loadboard‬

    ●‬‭ Freight Brokers:‬‭ Build relationships early‬

    ●‬‭ Factoring Companies:‬‭ Provide fast pay (for a fee)‬

    ● Dispatch Services:‬‭ Optional, but helpful when starting‬

    ●‬‭ Direct Shippers:‬‭ Ideal long-term for better rates‬

    ‭ Understanding Rate Confirmations:‬

    ● Pick-up/drop-off location and times‬

    ●‬‭ Rate per mile / flat rate‬

    ●‬‭ Accessorials (detention, layover, fuel surcharge)‬

    ● Payment terms‬

    ‭‭ ⚠ Pro Tips:‬

    ● Don’t haul cheap freight unless you know your‬‭ cost‬‭ per mile‬.

    ● Get everything in writing before you haul‬.

    ● Verify brokers on SaferWatch, FMCSA, or Truckstop broker checks‬.

    Step 5: Keeping the Wheels Turning‬

    ‭ Staying on the road means being smart about your operations.‬

    ‭ Daily Operations:‬

    ● Plan routes to avoid traffic, tolls, and time losses‬.

    ● Use tools like‬‭ TruckerPath‬‭ and‬‭ Samsara‬.

    ● Use fuel cards (e.g. NASTC, RTS) to save at the pump‬

    ‭ Manage Your Time & Logs:‬

    ● Comply with‬‭ Hours of Service (HOS)‬

    ● Use an ELD that works with your phone/tablet‬.

    ● Keep clean logs to avoid costly violations‬.

     ⚠ Pro Tips:‬

    ● Track deadhead and unpaid miles‬

    ●‬‭ Deliver on time to build a strong broker reputation‬

    Step 6: Maintenance and Truck Health‬

    ‭ Your truck is your business — treat it like your biggest investment.‬

    ‭  Maintenance Tips:‬

    ● Follow a‬‭ preventive maintenance schedule‬.

    ● Keep oil, brake, tire, and fluid inspections regular‬.

    ● Log all maintenance in a spreadsheet or app‬.

    ‭Helpful Tools:‬

    ● Diesel Laptops or OTR Diagnostics for code reading‬.

    ● Tire Pressure Monitoring Systems‬.

    ● Mobile mechanics for emergencies‬.

    ‭ ⚠ Pro Tips:‬‭

    ● Breakdown? Always document, communicate with brokers, and save receipts‬

    ●‬‭ Use‬‭ maintenance reserves‬‭ : $0.10–$0.20 per mile‬

    ‭ Step 7: Staying Profitable‬

    ‭ Profit is the name of the game. These basics help you stay in the black.‬

    ‭ Know Your Numbers:‬

    ● Fixed Costs:‬‭ Truck note, insurance, permits‬

    ●‬‭ Variable Costs:‬‭ Fuel, maintenance, tolls‬

    ● Calculate‬‭ cost per mile‬‭ and use that to price loads‬

    ‭Ways to Boost Profit:‬

    ● Haul more profitable lanes‬.

    ● Increase fuel efficiency (slow down, reduce idle time)‬.

    ● Reduce downtime‬.

    ● Improve broker relationships for better freight‬.

    ‭ ⚠ Pro Tips:‬

    ● Don’t chase miles — chase‬‭ profit per mile‬.

    ● Run lean and avoid unnecessary purchases early on‬.

    ‭ Step 8: Common Mistakes and How to Avoid Them‬‭

    ● Jumping in without knowing expenses‬.‭

    ● Hauling cheap freight without knowing your break-even point‬.

    ● Ignoring FMCSA compliance‬.

    ● Failing to save for taxes and repairs‬.

    ● Not reading the fine print on contracts‬.

    ‭ Helpful Resources & Tools‬

    ‭ Websites:‬

    ●‬‭ FMCSA.gov‬

    ● DAT.com‬

    ‭ Apps & Tools:‬

    ●‭ TruckerPath‬‭

    – navigation and parking‬

    ●‬‭ Fuelbook‬‭

    – find cheapest fuel‬

    ●‭ KeepTruckin / Motive‬‭

    – ELD & dash cam‬

    ● TruckLogics‬‭

    – business management‬

    ‭ Communities:‬

    ● TruckersReport Forum‬

    ● Facebook Groups: “New Authority Truckers”, “Owner Operator Advice”

    ‭ Final Thoughts‬‭:

    Starting your own trucking business is a bold move — and one that comes with challenges, but‬ also massive rewards.‬

    Stay focused, stay legal, and stay profitable. Use this guide as a foundation, keep learning, and‬ build something that lasts.‬

    ‭ Wishing you safe travels and big checks!‬

    Get signed up with Logrock today in minutes!

  • Loss Prevention Strategy for Trucking Insurance Clients‬

    A comprehensive loss prevention strategy helps reduce risk, lower insurance claims, and‬ improve overall safety and efficiency. The following key components should be implemented as‬ part of your program:‬

    ‭ 1. Regular Maintenance and Inspections‬

    ‭Conduct routine maintenance and thorough inspections to ensure vehicles remain in peak‭ operating condition. Focus on the following critical areas:‬

    Brakes and Tires:‬‭ Regularly inspect and maintain to‬‭ ensure optimal stopping power and‬ traction.‬

    Engine and Transmission:‬‭ Perform scheduled checks‬‭ to detect issues early and avoid‬ costly mechanical failures.‬

    ‬‭Lighting and Signals:‬‭ Verify all lights, indicators,‬‭ and signals are fully operational to‬ maintain visibility and ensure safe communication with other drivers.‬

    ‭‭ 2. Driver Training and Safety Programs‬

    ‭ Invest in robust driver training programs to enhance safety awareness and reduce preventable‬ accidents. Key training topics should include:‬

    ‬‭Defensive Driving:‬‭ Teach drivers how to recognize‬‭ and respond to potential road‬ hazards.‬

    ‬Proper Loading and Unloading:‬‭ Instruct on safe cargo‬‭ handling procedures to prevent‬ injuries and cargo damage.‬

    ‬‭Emergency Response Protocols:‬‭ Train drivers to effectively‬‭ manage breakdowns,‬ collisions, and severe weather conditions.‬

    ‭‭3. Use of Telematics and Safety Technology‬‭ Implement advanced technologies to monitor performance and improve operational safety:

    ‬‭Telematics Systems:‬‭ Track driver behavior, vehicle‬‭ health, and route efficiency in real‬ time.‬

    ‬‭Dash Cameras:‬‭ Provide visual evidence in the event‬‭ of accidents and encourage‬ responsible driving behavior.‬

    ‬‭Collision Avoidance Systems:‬‭ Equip vehicles with safety‬‭ features like lane departure‬ warnings, blind spot monitoring, and automatic emergency braking.‬

    4. Safety Policies and Procedures‬

    Establish and enforce clear safety protocols to promote a culture of accountability:‬

    ‬‭Accident Reporting and Investigation:‬‭ Develop a standardized‬‭ process for‬‭ documenting and analyzing accidents to prevent repeat incidents.‬

    ‬‭Safety Audits and Inspections:‬‭ Conduct periodic reviews‬‭ to identify and address‬ potential risks before they lead to claims.‬

    ‬‭Health and Wellness Programs:‬‭ Encourage driver well-being‬‭ with initiatives focused on‬ nutrition, physical activity, sleep hygiene, and mental health support.‬

    Ready to rock with Logrock? Get started today!

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  • What to Do When Your Trucking Insurance Claim Is Denied

    Having your trucking insurance claim denied can be frustrating, but it doesn’t have to be the end of the road. At Logrock, we understand how critical it is for trucking businesses to navigate the insurance process smoothly. If you’ve had a claim denied, here’s what you can do to dispute the decision and protect your business:

    1. Understand the Reason for Denial

    Carefully review the denial letter to understand why your claim was rejected. Knowing the reason helps you determine if there was an error or misunderstanding.

    2. Review Your Policy

    Check your insurance policy to ensure your coverage applies to the situation. Sometimes, claims are denied due to misunderstandings about what’s covered. Logrock recommends you regularly review your policy to ensure it fits your business needs.

    3. Gather Supporting Evidence

    If you believe the denial was incorrect, collect additional evidence to support your case, such as:

    ✅ Photos of the incident or damage  

    ✅ Witness statements  

    ✅ Repair estimates  

    4. Contact Your Insurance Adjuster

    Reach out to your adjuster to discuss the denial. They might be able to resolve the issue or clarify the misunderstanding. Logrock suggests being proactive in these discussions to ensure a fair review.

    5. Appeal the Denial

    If the claim is still denied, most insurers offer an appeal process. Be prepared to present your evidence and make a strong case. Logrock can help guide you through the process if you need additional assistance.

    A denied insurance claim isn’t the end. With the right steps, you can often resolve the issue and get back on track. At Logrock, we’re here to help ensure you have the right coverage and guide you through the claims process. Make sure you understand your policy, gather evidence, and take advantage of the appeal process to protect your trucking business.

    Let Logrock save you money in minutes. Get a quote now!

  • How Rising Fuel Prices Are Affecting the Trucking Industry (And What You Can Do About It)

    Rising fuel prices are a growing concern for trucking businesses across the country. As fuel costs continue to climb, the financial strain on fleet operators and independent truckers increases. At Logrock, we understand how essential it is for trucking companies to manage operational costs effectively. Here’s how rising fuel prices are impacting the industry, and what you can do to mitigate the effects on your business.

    1. Increased Operational Costs

    Fuel is one of the largest expenses for trucking companies. When fuel prices rise, so do operating costs. Higher fuel expenses mean that trucking companies must adjust their budgets, which can impact profits, especially for smaller operations or owner-operators who have less room for flexibility.

    2. Impact on Freight Rates

    To cover rising fuel costs, many trucking companies raise their freight rates. This can cause ripple effects in the supply chain, potentially leading to higher costs for consumers. However, with tighter margins, customers might start to seek more competitive pricing from other providers, making it harder for businesses to maintain their rates.

    3. Driver Pay and Productivity

    Fuel price fluctuations can also impact driver pay and productivity. When fuel prices increase, drivers might find themselves spending more time on the road due to longer trips or rerouted routes to save fuel. This added time on the road not only increases fuel consumption but can lead to driver fatigue, lower productivity, and safety risks.

    4. Rising Maintenance Costs

    Fuel efficiency is a key factor in truck maintenance. As fuel prices rise, trucking companies may be more inclined to extend the life of their existing fleet. However, older trucks are generally less fuel-efficient and more expensive to maintain, which can contribute to rising maintenance costs. Investing in newer, more fuel-efficient vehicles might seem costly upfront, but it can save money in the long run by reducing fuel consumption and maintenance needs.

    What You Can Do About It

    At Logrock, we’re committed to helping trucking businesses thrive, even in times of rising fuel prices. Here are some practical steps to minimize the impact of fuel price increases:

    ✅ Focus on Fuel Efficiency

    Improving fuel efficiency is one of the best ways to counteract rising fuel costs. Simple measures like optimizing driving routes, reducing idle time, and maintaining proper tire pressure can make a significant difference. Additionally, investing in fuel-efficient trucks or retrofitting older models with fuel-saving technologies can yield long-term savings.

    ✅ Adopt Fuel Management Strategies

    Implementing a fuel management system can help track fuel consumption and identify areas where you can improve efficiency. Fuel cards like FleetOne,  allow businesses to monitor purchases and track fuel usage and  can also help manage costs and ensure drivers are using fuel wisely.

     ✅ Negotiate Freight Rates and Contracts

    If you’re a fleet operator or owner-operator, negotiating fuel surcharges or adjusting your freight rates with customers can help offset increased fuel prices. Ensure your contracts include clauses that allow for flexibility in case of sudden fuel price spikes, so you aren’t left absorbing the full cost.

    ✅ Optimize Your Fleet’s Performance

    Properly maintaining your fleet is essential for keeping fuel consumption low. Regular maintenance, such as oil changes, air filter replacements, and ensuring that the trucks are running at their peak performance, can help reduce fuel wastage.

    ✅ Use Alternative Fuels

    Exploring alternative fuels, like compressed natural gas (CNG), electric vehicles, or hybrid trucks, can help reduce dependency on diesel. While the initial investment may be higher, the long-term savings in fuel costs and environmental benefits could be well worth it.

     ✅ Monitor Your Insurance Premiums

    Rising fuel prices can affect your bottom line, so it’s important to ensure your insurance coverage is still a good fit for your business. At Logrock, we can help you review your trucking insurance policy to ensure it provides the best value and protection as fuel costs fluctuate.

    Rising fuel prices present a significant challenge for the trucking industry, but with the right strategies in place, you can minimize the impact on your business. By improving fuel efficiency, optimizing routes, and exploring new technologies, you can help keep your costs under control. At Logrock, we’re here to support your trucking business with the right insurance solutions and advice to help you thrive, no matter what challenges the industry faces.

    Fuel prices may be rising but Logrock keeps your insurance rates down. Get a quote today!

  • Affordable Trucking Insurance: How to Save Big on Coverage

    Finding affordable truck insurance doesn’t have to be a challenge. Whether you run a small fleet or are an owner-operator, understanding how to save on trucking insurance can make a big difference in your monthly expenses.

    How to Save on Trucking Insurance

    Start by comparing trucking insurance quotes from multiple providers. Rates can vary, and it’s important to shop around to help you find the best deal. Expert truck insurance brokers, like Logrock, will shop around for you to find the best rate and coverage for your needs. Using an expert broker can save you time and money, and is at no additional cost to you.

    If you are comparing rates yourself, it can be hard to directly compare quotes across insurance providers since quotes reflect specific coverage amounts, deductibles, and other policy details. A cheaper policy often reflects lower coverage amounts and/or higher deductibles. It’s important to know what you’re getting for your money!

    Also, look for companies that offer discounts for safe driving records, bundled policies, or paying premiums annually instead of monthly.

    What Does Truck Insurance Cost Per Month?

    The truck insurance cost per month depends on factors like your driving history, the type of cargo, and your coverage limits. On average, small trucking companies might pay anywhere from $1,000-$2,000 per truck, but comparing quotes can help you land a lower rate.

    Finding the Best Insurance for Small Trucking Companies

    The best insurance for small trucking companies balances affordability with comprehensive coverage. Seek out providers specializing in commercial truck insurance who understand the industry’s unique needs and offer customizable policies for your business. Working with a specialized commercial truck insurance broker like Logrock can save you the headache of finding the right provider by comparing top insurance carriers like Geico, Progressive and Berkshire as well as smaller and state-specific carriers, or Risk Retention Groups to compare their rates for you and get you the best deal for your trucking business. At Logrock, our clients have a dedicated account manager familiar with your state’s specific requirements, ensuring our clients receive tailored support for your unique regulatory and operational needs.

    More Tips to Lower Trucking Insurance Costs:

    • Maintain a clean driving record: Incidents on your Motor Vehicle Record can greatly inflate commercial insurance costs.
    • Invest in safety features for your trucks: Many truck insurance companies offer discounts for trucks with certain safety features, like anti-theft systems, advanced driver-assistance systems (ADAS), and electronic stability control (ESC).
    • Get More Clean Inspections: Prioritize regular maintenance and safety checks to boost your chances of clean inspections — this can help lower premiums, especially before renewal time.
    • Regularly review and adjust your coverage needs: Only pay for the truck insurance you need.
    • Improve your Credit Score: A higher credit score can lead to lower rates.
    • Have a Consistent Address: Have consistent addresses across your business, driver’s license, and garaging location. Discrepancies can limit your insurance options and lead to higher rates.
    • Use an ELD with Cost-Saving Features: Investing in an Electronic Logging Device (ELD) with specific safety features can help lower insurance rates. Look for ELDs that offer:

    ✅ Harsh braking & acceleration monitoring (helps prove safe driving habits)

    ✅ Real-time GPS tracking (reduces theft risk and aids recovery)

    ✅ Automated HOS compliance (ensures adherence to FMCSA regulations)

    Want to learn more? Check out our blog Top 5 Mistakes Truckers Make That Increase Insurance Costs

    Saving on trucking insurance is possible with proactive risk management and an expert insurance broker on your side. 

    Get a free truck insurance quote today when you contact Logrock!

  • Accident Checklist: What to Do (and Not Do) to Protect Your Insurance Rates

    Accidents happen — even to the most careful truck drivers. But how you handle an accident can make a big difference in protecting your commercial truck insurance rates and keeping your business running smoothly. At Logrock, we’re here to help truckers navigate accidents while minimizing long-term insurance impacts. Let’s break down exactly what to do (and what to avoid) after an accident to safeguard your coverage.

    Step 1: Prioritize Safety First

    ✅ Secure the Scene: Turn on hazard lights and set out warning triangles to prevent further accidents.

    ✅ Check for Injuries: Call 911 if anyone is injured — safety comes first, always.

    ✅ Notify Law Enforcement: Even for minor incidents, getting a police report is crucial for FMCSA compliance and future claims.

    Why it matters: Quick, responsible action shows insurers you’re a low-risk driver, which helps keep your truck insurance premiums in check.

    Step 2: Document Everything Thoroughly

    📸 Take Photos and Videos: Capture vehicle damage, license plates, road conditions, and any injuries.

    📝 Collect Key Details: Gather names, contact info, insurance details, and witness statements.

    🚓 Request a Police Report: An official report is vital for commercial truck insurance claims and can help protect your CSA score.

    Comprehensive documentation strengthens your insurance claim and can prevent unjust rate increases.

    Step 3: Notify Your Insurance Provider and Logrock.

    📞 Report the Accident Promptly: Delaying a report can raise red flags and affect your trucking insurance coverage.

    📂 Share Collected Evidence: Providing detailed documentation helps speed up the claims process and supports your case.

    🤝 Lean on Your Broker: If you’re with Logrock, we’ll walk you through the claims process to help avoid mistakes that could raise your commercial trucking insurance rates.

    Step 4: What Not to Do After an Accident

    ❌ Don’t Admit Fault: Even a simple apology can be used against you during claims processing.

    ❌ Don’t Skip the Police Report: Even if damage seems minor, a report protects you from false claims and supports your FMCSA insurance compliance.

    ❌ Don’t Ignore Post-Accident Maintenance: Address vehicle damage immediately to avoid DOT violations during inspections.

    Step 5: Learn and Prevent Future Accidents

    🔧 Conduct a Post-Accident Review: Analyze what happened and adjust safety protocols if needed.

    📚 Train Your Drivers: Ongoing safety training can improve your CSA score and unlock insurance discounts.

    🛡 Invest in Safety Tech: Tools like dashcams, telematics, and ELDs with safety features can prevent future incidents and help lower trucking insurance costs.

    Logrock Has Your Back — On and Off the Road

    Handling an accident the right way doesn’t just protect your truck — it protects your commercial truck insurance rates and your business’s financial health. At Logrock, we help trucking companies stay compliant, save on coverage, and navigate the claims process with confidence.

    🚛 Ready to protect your fleet and lower your insurance costs? Get a free truck insurance quote with Logrock today!

  • New Truck vs. Used Truck: How Your Rig Choice Affects Insurance Costs

    Choosing between a brand-new truck and a reliable used rig isn’t just about upfront costs — it can also impact how much you pay for insurance. At Logrock, we help truckers navigate the ins and outs of insurance coverage, so you can make the best decision for your business. Let’s break down how your truck choice affects your premiums and what to consider before you buy.  

    Why Your Truck Choice Matters for Insurance  

    Insurance providers look at several factors when pricing your policy, and the truck itself plays a huge role. They assess things like:  

    ✅ Vehicle Value  

    ✅ Age and Mileage 

    ✅ Safety Features and Technology  

    ✅ Likelihood of Breakdowns or Costly Repairs

    Whether you go new or used, each option has pros and cons. Let’s compare!  

    The Case for Buying New  

    A brand-new truck comes with cutting-edge safety tech and fewer immediate repair needs, which can work in your favor for insurance. But that higher sticker price can also drive up your insurance premiums.  

    Insurance Benefits: 

    ✅ Advanced Safety Features: Collision avoidance, lane assist, and dash cams can qualify you for discounts.  

    ✅ Lower Risk of Breakdowns: Newer trucks are less likely to need expensive repairs, reducing the chance of claims.  

    ✅ Warranty Coverage: Manufacturer warranties can ease repair costs, which insurers may consider when pricing policies.  

    Insurance Drawbacks:  

    ✅ Higher Replacement Costs: Since the truck is worth more, insurance payouts (and your premiums) will be higher.  

    ✅ Comprehensive & Collision Coverage Costs: You’ll likely want full coverage to protect your investment, which adds to your insurance bill.  

    The Case for Buying Used  

    A well-maintained used truck can save you money upfront and lower your insurance premiums — but it may come with hidden risks insurers will factor into your rates.  

    Insurance Benefits:  

    ✅ Lower Vehicle Value: Since the truck costs less, your collision and comprehensive coverage will also be cheaper.  

    ✅ Proven Performance: A truck with a clean maintenance history can still be a safe, reliable choice at a lower cost.  

    Insurance Drawbacks: 

    ✅ Higher Breakdown Risk: Older trucks are more prone to mechanical failures, which could lead to more claims.  

    ✅ Outdated Safety Tech: If your truck lacks modern safety features, you might miss out on valuable discounts.  

    Which Option Is Right for You?  

    The best choice depends on your business goals, budget, and risk tolerance. If you can afford higher premiums and want the peace of mind that comes with a new, tech-packed truck, that might be your best bet. But if saving on upfront costs and insurance is your priority, a well-maintained used truck could be the smarter move.  

    Logrock Helps You Find the Right Coverage Either Way  

    Whether you go new or used, Logrock can help you build a policy that fits your rig and your budget. We specialize in trucking insurance – we’ll guide you through coverage options and hunt down every possible discount.  

    Get a Personalized Truck Insurance Quote Today and contact Logrock!

    Keep your business rolling no matter what you drive!  

  • Top 5 Mistakes Truckers Make That Increase Insurance Costs — And How to Avoid Them 

    Running a trucking business is all about balancing costs, and insurance can be one of your biggest expenses. The good news? Many truckers have the opportunity to save big just by avoiding a few common mistakes! At Logrock, we help carriers and owner-operators stay protected — without breaking the bank. Let’s break down five common mistakes that can drive up your premiums and how to steer clear of them.

    1. Neglecting Regular Maintenance

    Skipping routine maintenance can lead to unexpected breakdowns, failed inspections, and accidents — all of which raise your insurance rates. Even small issues can snowball into costly claims if left unchecked.

    🔧 Fix it: Create a preventative maintenance schedule and stick to it. Catching problems early not only keeps your trucks safe but also reduces the risk of insurance increases.

    2. Ignoring CSA Scores

    Your Compliance, Safety, Accountability (CSA) score is a key factor insurers look at when setting your premiums. High scores from frequent violations or failed inspections signal higher risk, leading to higher insurance costs.

    📊 Fix it: Prioritize driver training, keep thorough inspection records, and aim for clean roadside inspections. The lower your score, the better your insurance rates.

    3. Hiring High-Risk Drivers

    Bringing on drivers with a history of accidents, violations, or DUIs can drastically inflate your premiums. Even one high-risk driver on your roster can make your entire fleet more expensive to insure.

    👀 Fix it: Screen drivers carefully with background checks and MVR reports. Invest in ongoing safety training to help your team keep their records spotless.

    4. Carrying the Wrong Insurance Coverage

    Paying for unnecessary insurance coverage — or worse, not enough coverage — can hurt your bottom line. Being underinsured might save you a few bucks on premiums, but one major accident could cripple your business.

    🛡️ Fix it: Work with a trucking insurance expert (like Logrock!) to review your policy annually. We’ll make sure you’re properly covered without paying for anything you don’t need.

    5. Not Shopping Around for Better Rates

    Loyalty is great, but sticking with the same insurer year after year without checking for better options might mean you’re missing out on savings. Rates increase over time, and new discounts become available.

    💡 Fix it: Get quotes from multiple providers before your renewal date. At Logrock, we help truckers compare options and find the best coverage for the best price across multiple providers — no guesswork, no hassle.

    Ready to save? Check out How To Save Big On Coverage: Your Cheat Sheet From LogRock

    Insurance doesn’t have to drain your profits. By avoiding these common mistakes and working with a team that understands the trucking industry inside and out, you can keep your coverage strong and your costs low.

    Let Logrock help you find affordable, reliable coverage tailored to your business.

  • How to Save Big on Coverage: Your Cheat Sheet from Logrock

    Insurance can feel like a heavy load, but it doesn’t have to weigh down your wallet. At Logrock, we know the road is tough enough without overpaying for coverage. That’s why we’ve put together this cheat sheet to help you save big on truck insurance while keeping your business fully protected. Let’s break it down!  

    1. Clean Inspections = Lower Premiums  

    The more clean inspections you rack up, the better your insurance rates. Regular maintenance and thorough pre-trip checks help prevent violations — and show insurers you’re serious about safety.  

    🚚  Pro tip:  Create a maintenance schedule and stick to it. Fewer violations mean lower risk and lower costs.  

    2. Hire Safe, Experienced Drivers

    Insurance companies love low-risk drivers. Hiring experienced truckers with clean records can drastically cut your premiums. Plus, offering ongoing safety training helps reinforce good habits behind the wheel.  

    🚚  Pro tip: Use background checks and MVR reports to screen for the safest drivers.  

    3. Raise Your Deductible (If It Makes Sense)  

    If you can comfortably handle a higher out-of-pocket cost in the event of a claim, raising your deductible can lower your monthly premium. It’s a balancing act, but it can save you cash in the long run.  

    🚚  Pro tip: Set aside an emergency fund so a higher deductible doesn’t catch you off guard.  

    4. Bundle Your Policies 

    Why juggle multiple policies when you can bundle them for a discount? Combining liability, cargo, and physical damage coverage with one provider — like LogRock Inc. Insurance — often leads to big savings.  

    🚚  Pro tip: Ask about multi-policy discounts and see how much you can shave off your bill.  

    5. Leverage Telematics & Dashcams 

    Tech can be your best friend when it comes to lowering insurance costs. Telematics devices and dashcams track driving behavior and can prove you’re a low-risk operator, leading to premium discounts.  

    🚚  Pro tip: Show your insurer the data — safer driving habits might unlock extra savings.  

    6. Pay Premiums Annually  

    Paying your insurance premium in one lump sum instead of monthly installments can score you a discount. It’s a bigger upfront cost, but if your cash flow allows, it’s a simple way to save.  

    🚚  Pro tip:  If a full annual payment isn’t feasible, ask about semi-annual options for smaller savings.  

    7. Review Your Policy Annually  

    As your business evolves — your coverage should too. Regular policy reviews help catch unnecessary coverage or outdated limits that might be driving up costs.  

    🚚  Pro tip: Partner with your LogRock Inc. agent to review your policy every year and make adjustments as needed.  

    Ready to save BIG?

    At Logrock we’re all about helping truckers stay protected without breaking the bank. We’ll work with you to customize a policy, find hidden discounts, and make sure you’re only paying for the insurance you need.  

    Want more in depth information? Why Your DOT Record Matters For Truck Insurance

    Get a Free Truck Insurance Quote Today!

    Let’s keep your rig covered and your costs down.