Commercial Tractor Trailer Insurance
Stay in Control of Your Trucking Career
If you’re an owner-operator or any other type of trucking professional, you can’t work without your tractor trailer. If something happens while you’re on the job or even just parked somewhere, you need reliable insurance coverage to make sure you can pay for damages and get back on the road quickly.
Commercial tractor trailer insurance protects truckers, so they can continue to operate with peace of mind. Read on to learn more about tractor trailer insurance and see how you can get the most cost-effective coverage from a reliable tractor trailer insurance company.
Tractor Trailer Insurance Coverages
In California, businesses or owner-operators that use tractor trailers must meet the state-mandated minimum liability requirements for commercial auto insurance. These standard minimum requirements are:
- Liability limit of $15,000 per person
- Bodily injury limit of $30,000 per accident
- Property damage limit of $5,000
Your minimum liability limit might be higher than these standards, though. Certain large vehicles, such as semi-trucks, that cross state lines or have a USDOT or CA state serial number might have an alternate combined liability requirement of $750,000.
There are other coverages you can choose for your tractor trailer insurance policy. Common tractor trailer coverages include motor cargo insurance to reimburse you for cargo damages, non-trucking liability insurance for protection while driving outside of business purposes, and trailer interchange insurance for pulling non-owned trailers under an interchange agreement.
The Cost of Tractor Trailer Insurance
Several factors affect the cost of your commercial tractor trailer insurance rates. In addition to the above minimum liability requirements, other factors that influence the cost of your policy include:
- Your USDOT authority
- The type of tractor trailer you own or drive
- The type of cargo you haul
- Where you operate
- The size of your operating radius
- Your driving history
You can also find discounts for your policy. Factors like having your CDL or being in business for a specific number of years can help you save money with certain tractor trailer insurance companies.
Drive Safe With Saferoad
When you need affordable commercial insurance for tractor trailers, turn to the friendly faces at Saferoad Insurance. Our experts will help you find a policy that meets your needs and suits your budget. Contact Saferoad today to get your tractor trailer insurance quote and find the right policy for your business.