#1 – Highlight your safety policies
Insurance companies want to insure safe trucking operations. They reward the safe ones with lower insurance premiums.
- Do you have a written safety plan for your operation?
- How do you screen your drivers?
- How do you keep up with your vehicle maintenance?
These are all things that you’ll want to highlight for the agents.
#2 – Ask what discounts are available
- How much can you save by raising your deductible?
- Can you combine deductibles for your tractors and trailers?
- Are there multi-policy discounts?
- Discounts for having a CDL for over 5 years?
- Is there a paid in full discount?
- Some companies offer discounts if you have a grill guard installed.
- Do you have an anti theft device? You may get a discount.
The point is that there are lots of little discounts available. Make sure the agents take the time to see which ones you qualify for.
#3 – Check your SAFER Stats online
You probably already check this, but if you don’t you need to. Your Out-Of-Service violations are tracked and reported online. You can find yours here.
You can also check your BASIC scores here.
Do you have some orange BASIC alerts? Do you have a high percentage of OOS violations? Make sure that the info is being accurately reported. If there is a mistake, you need to get that fixed. Otherwise you’ll be paying higher premiums.
Let us know how you did. We’ll email you in a couple of weeks to find out how the process went. Til then, All the best!