Whether you're driving a box truck, front loader, flatbed, semi, tank, or auto hauler, you'll need to carry truck insurance through a place like North American Brokerage Inc. The cost of your insurance is going to vary widely depending on a number of factors including the type of truck, your driving radius, location, driving history and any limits you need. Keep in mind that you shouldn't choose a truck insurer solely based on rates. If you're new to trucking here is a rundown of the types of coverage available and what to look for in an insurance company

Primary Liability Coverage

Primary liability is the minimum coverage required by law for all truck drivers. It covers damages and injuries that occur during an accident to you and your vehicle. It also provides coverage in the event that your truck causes damage to other vehicles or injuries to people. 

General Liability Coverage

If you own a trucking company, general liability covers your employees and their trucks through third party coverage. It is similar to primary liability coverage, only it's broader and geared toward commercial companies. 

Physical Damage

While primary liability covers damage to vehicles and injuries, physical damage coverage expands to cover damage to your own property. For example, it provides coverage if you dent your truck while pulling in to unload, or if you notice a scratch on your truck. It also provides coverage against theft, or vandalism. For example, if someone spray paints your truck, the damage will be covered under this policy. 

What to Look for

First and foremost, it's crucial to look for an insurance company that specializes in trucking insurance. You don't want to end up with a company that only has a small amount of experience dealing with trucking claims. You want a specialized team of adjusters who will have the experience to manage your repairs from start to finish. Find an insurer who has high customer service ratings. You can check ratings on sites like the Better Business Bureau. It's also a good idea to go with a company that offers ways for you to save. For example, some insurers offer a percentage premium refund for not getting into accidents, or filing claims for the year. Other insurers offer discounts for things such as using GPS tracking devices. You'll save money with a GPS tracker, but keep in mind the trade off is privacy.