User's blog

Tag: Insurance Coverage

  • 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!

  • 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.

  • Trucking Insurance 101: What Coverage Do You Really Need?

    When you’re hauling freight across state lines, you’re doing more than driving — you’re running a business. And just like any business, protection matters. That’s where the right truck insurance comes in.

    Whether you’re an owner-operator, lease-on driver, or a small fleet manager, understanding the different types of trucking insurance is key to staying legal, safe, and financially protected.

    At Logrock, we specialize in helping drivers and carriers find affordable, compliance-ready insurance coverage tailored to how they work. Here’s your guide to the most essential types of commercial truck insurance — explained in a quick, FAQ-style breakdown.

    ❓ What Is Primary Liability Insurance?

    Primary Liability Insurance is required by federal law for all motor carriers. It covers damage or injuries you cause to other people or property while driving your truck.

    It does not cover your own vehicle or cargo but keeps you compliant with FMCSA regulations.

    ❓ What Is Physical Damage Coverage?

    Physical Damage Coverage protects your truck and trailer from damage caused by accidents, theft, vandalism, or natural disasters.

    This is essential if you want to repair or replace your equipment after a covered event.

    ❓ What Is Motor Truck Cargo Insurance?

    Motor Truck Cargo Insurance covers the freight you’re hauling. If it’s damaged, lost, or stolen during transport, this insurance helps cover the cost.

    Shippers and brokers often require this policy, especially for high-value or sensitive loads.

    ❓ What Is Bobtail Insurance?

    Bobtail Insurance provides liability coverage when you’re driving without a trailer—either between loads or after a drop-off.

    It’s a must-have for drivers operating under another carrier’s authority.

    ❓ What Is Non-Trucking Liability (NTL) Insurance?

    NTL Insurance covers your truck when you’re using it for non-business purposes, like personal errands or off-duty driving.

    It’s often confused with bobtail insurance, but NTL kicks in only during personal use.

    ❓ What Is General Liability Insurance?

    General Liability Insurance protects your business from non-driving risks—like injuries at a delivery site, damage at a loading dock, or legal claims unrelated to an accident.

    This is crucial coverage for fleets and owner-operators working in complex or high-volume operations.

    ❓ What Is Workers’ Compensation Insurance?

    Workers’ Compensation Insurance covers medical bills, lost wages, and rehab costs if an employee gets hurt on the job.

    Required in most states if you have drivers or staff on payroll.

    Need Help Choosing the Right Coverage?

    Every trucking business is different. Whether you haul regionally or coast-to-coast, run one truck or a dozen, your policy should fit how you operate. At Logrock, we help truckers build smart, affordable insurance plans that check every compliance box—and keep your business protected mile after mile.

    🔒 Ready to review your policy or get a fast quote?
    Get Covered with Logrock in minutes!