Experts recommend dump truck operators review at least three insurance offers before committing, because when you talk to multiple agents, you get a more informed picture of what sort of coverages you need and what sort of rate you can get.
But finding several legitimate commercial dump truck insurance agencies can be difficult. They’re hard to find and it takes a lot of time to repeat your information to each new insurance agent you talk to.
Your best option is to use this Request Three Quotes tool that gathers your information and sends it to three independent insurance agents. They will compile a plan and a quote and contact you with an offer. All you have to do is fill out one form. It couldn’t be easier!
What You Need to Request a Quote
Before they can compile a quote for you, your insurance agent will need some information about you and your business. The information you need to have on hand include:
- Your radius of operation
- Whether you have your own authority or you’re leased to a Motor Carrier
- The official name and MC or DOT Number of the business you operate under
- The number of dump trucks you need insured
- Their makes and models
- If you have employees who operate under your authority, their
- CDL Experience
- Prior Tickets and Accidents
This is the preliminary information. Your agent will also eventually need to know your schedule of drivers, the specifics of your equipment and your loss run history.
What to Look for When Comparing Dump Truck Insurance Quotes
After you’ve gotten in contact with your agents and received their offers, you have to make a decision of which insurance company to go with. These should be your main considerations.
Reliability of the Company. More so than price, the quality of the insurance company should be your first priority when choosing between your dump truck insurance quotes. Big name national brands are usually reliable… but know that when you get insurance from Progressive or Trusted Choice, a big chunk of what you pay to them is going straight to their advertising department. There are many small local insurance companies that offer complete coverage plans with customer service better than national brands at a fraction of the price.
So how can you tell whether you can trust smaller insurance companies? There are credit rating companies that do this sort of work for you. Two credit rating companies, Moody’s and A.M. Best, let you search through their records of to see how a prospective insurance company ranks according to their criteria.
Familiarity with dump trucks. Dump trucks need special coverages that other commercial vehicles don’t, namely environmental liability insurance. It’s important that your insurance company is familiar with your industry so there are no gaps in your coverage.
Price. Dump trucks are expensive to insure. That’s a fact. You should do everything you can to get the lowest price possible without sacrificing your coverage. Try finding an insurance company that offers discounts to experience drivers.
Good, always-ready customer service. If you ever find yourself in an accident, it’s important that you can get in touch with your insurance company immediately. Choose a company that has 24-hour claims service.
How to Find Dump Truck Insurance Quotes
Instead of wading through the internet or your phone book in search of reliable insurance companies, just use this form. For free, it’ll connect you with three insurance agents who cover your area. Simple as that.