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Tag: truck insurance

  • 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!  

  • Why Your DOT Record Matters for Truck Insurance & How to Keep It Clean

    When it comes to trucking insurance, your DOT record isn’t just a piece of paperwork — it’s a major factor in determining how much you’ll pay for coverage. At Logrock, we help truckers and carriers find their best insurance rate, and one of the best ways to save is by keeping your DOT record spotless.

    What Is a DOT Record? 

    Your Department of Transportation (DOT) record tracks safety and compliance data for your trucking operation. It includes things like:  

    – Inspection results  

    – Accident reports  

    – Violations and citations  

    – Hours of Service (HOS) compliance  

    Insurance providers use this data to assess how risky your business is to insure. The cleaner your record, the lower your perceived risk — and the lower your insurance premiums.  

    How Your DOT Record Affects Insurance Costs  

    A history of violations, failed inspections, or accidents can cause your insurance rates to skyrocket. Why? Because insurers see a pattern of safety issues as a sign that future claims are more likely. On the flip side, a strong safety record can score you big discounts.  

    High-Risk Red Flags: 

    – Repeated safety violations  

    – Frequent roadside inspections with issues  

    – Accidents or cargo claims  

    – HOS violations  

    Each of these can make you a higher-risk client, leading to steeper insurance costs. But don’t worry — you can take action to protect your record and save money on insurance.  

    How to Keep Your DOT Record Clean (and Your Premiums Low)  

    Prioritize Preventative Maintenance  

    A well-maintained truck is less likely to cause accidents or fail inspections. Regularly check brakes, tires, lights, and essential safety equipment.  

    🚚  Pro tip: Create a maintenance checklist and have drivers complete pre- and post-trip inspections.  

    Train (and Retrain) Your Drivers  

    Your drivers are the heartbeat of your business — and the biggest factor in your DOT record. Ongoing safety training helps reinforce best practices and keeps safety top of mind.  

    🚚  Pro tip: Hold regular safety meetings and offer incentives for clean driving records.  

    Prepare for Roadside Inspections  

    Failed roadside inspections can tank your DOT score. Make sure drivers know what to expect and are prepared with proper documentation and a well-maintained vehicle.  

    🚚  Pro tip: Conduct random internal inspections to catch issues before they lead to violations.  

    Track Hours of Service (HOS) Carefully  

    HOS violations are an easy way to rack up points against your DOT record. Use reliable ELDs and make sure drivers understand how to log hours correctly.  

    🚚  Pro tip: Use fleet management software to monitor HOS compliance in real time.  

    Review Your DOT Record Regularly  

    Don’t wait for an insurance renewal to check your record. Regularly review your DOT data to catch any errors or incorrect reports — and dispute inaccuracies when necessary.  

    🚚  Pro tip: Set calendar reminders to review your DOT record every quarter.  

    Let Logrock Help You Stay Covered 

    At Logrock Inc., we know how much your DOT record impacts your insurance rates — and your business. That’s why we work with truckers to find affordable, reliable coverage that rewards a commitment to safety.  

    🔹Want to see how your DOT record affects your premiums? Or ready to explore better coverage options? We’ve got you covered.

      🚛  Visit Logrock to get started and save on trucking insurance today! 🚚