How Does California Commercial Truck Insurance Work?

Which Kind of Commercial Trucks Are Covered under Commercial Truck Insurance?
1. Commercial truck insurance covers many different types of commercial trucks, including tractor-trailers, dump trucks, straight trucks, tow trucks and pickup trucks. This type of insurance can be purchased by owner-operators for a single truck or for companies that need to insure an entire fleet of trucks. No matter which one of these categories that you fall into, commercial truck insurance is required in order to drive a commercial truck in California.
Basic Coverages provided
2. Commercial truck insurance is a lot like personal automobile coverage, it provides standard protections such as comprehensive and collision, general liability, uninsured/underinsured motorist protection and medical payments. Unlike personal auto insurance you usually can get commercial auto insurance by providing less information than you would have to provide for a personal auto policy.
Specialized Coverages for Commercial Trucks
3. Commercial truck insurance can also include specialized business-related coverages that can further protect you. These coverages are usually more specialized than what a standard policy provides. Motor truck cargo is one type of extra coverage which affords protection against lost, stolen or damaged cargo in transit. Motor truck cargo insurance can also offer protection against terrorism. Trailer Interchange coverage protects the insured against losses to non-owned trailers being pulled by their insured trucks. Non-trucking (bobtail) liability offers protection to owner-operators who are permanently leased to an ICC-regulated carrier. This provides coverage for trucks when not being used directly for business purposes, such as when a truck is bobtailing and goes to a truck wash or to a shop for repairs. There are lots of different types of coverage that you can get with your commercial auto insurance. Make sure to always ask your insurance agent if you don’t understand any part of the coverage on your policy.
Other Insurance Services
4. Many insurers, and their agents, provide assistance with ICC (Interstate Operating Authority) compliance and filings. In California, insurance companies can also do an electronic filing which is required by the DMV in order to issue a MCP or motor carrier permit. This filing from the insurance company is called the MCP65 filing.

What factors may affect my auto insurance costs?

This is a list of a few things that can help you to reduce the cost of your commercial auto insurance each year. I hope that this helps.

• Driving history - Maintaining a "clean" driving record (no tickets or accidents) will keep your insurance costs lower.
• Age, gender, marital status - There is statistical evidence that some drivers (for example, young male drivers) will have more accidents than others, which makes them a higher risk for insurers, so they are charged a higher premium.
• Driving patterns- Generally, the more you drive, the more you pay. If you use your car in business and drive over 25,000 miles a year in a heavily populated area, your insurance will cost more than a driver living in a rural area with low annual mileage.
• Your car - Some cars will cost more to insure because they are more expensive to repair, are more easily damaged in an accident or are targets for theft..
• Amount of insurance - While higher policy limits will cost more, you can lower your premium by increasing your deductibles.
• Credit history - Some states may use your credit as a factor in determining your rates. If you have excellent credit, you might pay less.

Cheapest Dirt, Sand, and Gravel Haulers Insurance Rates

Progressive and Victoria are the best companies for Dirt, Sand, Gravel & Asphalt Haulers. These two insurance companies have the best rates and programs in California for this type of risk.

The Insurance Store, Inc. are the ones that I have found that have the best prices on this type of risk. They also have a lot of experience in commercial auto.

Here is the website: www.catruckinginsurance.com
or you can call Pete at 800-570-0011 ext 108.