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How to shop for commercial truck insurance online in just a few steps

ByDave Stopher

Jun 17, 2021

From food to travel packages, you can buy just about anything over the Internet these days. Even commercial truck insurance. Shopping for insurance online is not only convenient but it also saves time. You can make a purchase at the comfort of your home and it will cost you significantly less. It works similarly in America. If you need bobtail insurance, for instance, you can acquire a policy without leaving your home. Before you start shopping around for commercial truck insurance, you’ll need a few pieces of info. That being said, let’s keep it short and concentrate on the essential steps to consider.

Have this information ready

So as to provide an accurate commercial truck insurance quote, insurance companies and agents require some bits of information to get started. You need to provide details about your motor vehicle, driving history, and driving habits. During the underwriting process, the insurer will take a close look at your driving history to see how often the semi-truck was deployed without a trailer. If you have an immaculate driving record, you’ll be offered exclusive rates. Reach out to an expert and get a clear understanding of how the process works. They will help you establish the amount of coverage needed and offer a reasonably priced quote for your insurance needs. The costs vary depending on several factors, including but not limited to how much liability you want, the distance you typically travel, and, last but not least, your driving record.

Select your shopping method

There are several ways to acquire commercial truck insurance online and your personal preferences will dictate what method you select. Without further ado, you can buy commercial truck insurance through the following methods:

  • Through the insurer’s agent – Agents represent insurers, so they’re authorized to complete sales. They can represent more than one insurance company. By buying directly (online or over the phone), you’ll deal with the insurance provider.
  • Through an independent agent – An independent insurance agent enjoys more freedom, so they craft plans that address clients’ needs. They have knowledge about state regulations and can put you in touch with various insurance companies. You can secure a better price and coverage flexibility.
  • Through the insurer’s website – At times, not all details may be shared with the buyer at the point of sale. The transaction should, therefore, take place between the customer and the company online. Purchase a commercial truck insurance policy directly through the insurance company’s website.
  • Through an online comparison platform – Online comparison platforms allow users to compare insurance carriers, compare products, and even do some shopping. The online comparison platform will take you to the insurer’s website in a jiffy.

Compare insurance carriers and ask about qualifying discounts

To have a guarantee that you’re using an A-rated insurance carrier, make a comparison and seek qualifying discounts. Comparing quotes isn’t necessarily about getting the cheapest rate, but about making sure you get the best value for your money. Each insurance carrier has its own set of discounts, which means that you have your work cut out for you. Use a web-based comparison platform. You can store your details and save your quotes.