Commercial Truck Insurance Quotes

How to Get a Commercial Truck Insurance Quote

At NITIC, we make obtaining a commercial truck insurance quote easy and transparent. To help you understand the process, we’ve outlined the essential information needed to provide you with an accurate and affordable quote. Each piece of information helps our insurance experts precisely assess your coverage requirements and offer you the best possible policy options.

Information Required for Your Insurance Quote

Current Trucking Insurance Policy

• Declarations Page (Current or Personal Auto Insurance):
  Providing a copy of your current commercial truck or personal auto insurance declarations page helps our agents establish a baseline for coverage needs and ensures your new policy precisely fits your requirements.

Business Details

• Business Name and Address:
  Helps identify your business and its location, significantly influencing coverage options due to varying state regulations.
• Years in Business:
  The duration your business has operated impacts risk assessment. Businesses with a longer track record typically qualify for better rates.
• Credit Report (Personal and Business):
  Your credit history is reviewed to assess financial solvency and stability, influencing your policy’s terms and pricing.

Truck Vehicle Details

• Truck Category (Tractor Trailer, Box Truck, Dump Truck, etc.):
  Different trucks carry distinct risks. Accurate vehicle classification ensures the right type of coverage.
• Detailed Vehicle Information:
  • MakeModelYearCost when newGross vehicle weightCurrent mileageVehicle Identification Number (VIN)
  These details allow us to precisely evaluate your truck’s characteristics and usage patterns, impacting your premium calculations.

Truck Usage

• Long-haul or Local Operations:
  Driving distance and frequency directly influence risk levels and premium calculations. Long-haul operations may carry higher risks due to increased mileage.

Trucking Insurance Coverage Types

• Primary Liability, General Liability, Physical Damage, Collision, Comprehensive, etc.:
  Clearly specifying your required coverages allows us to tailor the policy precisely to your needs, ensuring adequate protection without unnecessary costs.

Truck Cargo Type

• Low, Medium, or High Hazard Cargo:
  The nature of your cargo significantly affects risk assessment. Hazardous cargo typically requires higher coverage limits and specialized insurance.

Truck Driver Information

• Personal Details:
  • Legal Name
  • Date of Birth
  • Social Security Number
  • Driver’s License Number
  These details are necessary to conduct accurate driving record checks through state DMVs, directly influencing risk assessment and premium pricing.
• Driver’s Record (Poor, Fair, Good, Excellent):
  Drivers with clean histories generally qualify for lower premiums, reflecting reduced risk.
• Claims History (Past Three Years):
  A record of past insurance claims provides insights into risk factors, potentially influencing premium costs and coverage terms.

Truck Insurance Deductible Preference

• Low, Medium, or High Deductible:
  Choosing your deductible affects your premiums. Higher deductibles generally lower premiums but increase your out-of-pocket expenses during claims.

Why is Each Piece of Information Vital?

Each detail you provide enables us to accurately assess risk and tailor coverage specifically for your operation. Understanding your business’s unique profile, vehicle type, usage, and driver history allows us to offer precise quotes, optimal coverage, and competitive rates.

Why Choose NITIC?

Since our inception in 2001, NITIC has been dedicated to providing reliable, affordable, and comprehensive commercial truck insurance tailored specifically for independent owner-operators and small fleets. Our extensive experience in the trucking insurance industry means we understand your unique challenges and needs better than anyone else. Licensed to provide insurance in 48 states, NITIC employs a team of highly skilled, licensed insurance agents specializing exclusively in trucking and commercial insurance. Our team stays updated on the latest regulatory changes, industry trends, and coverage requirements to ensure you always receive optimal protection.

With a secure Financial Strength Rating of B++ (Good) from AM Best, you can confidently trust NITIC to meet its obligations to you, our valued policyholder. This rating reflects our solid balance sheet, consistent operational excellence, and unwavering commitment to our customers. Being strategically located near key commercial trucking hubs like Port Newark and New York City provides us unique insights and access to industry-specific resources, ensuring you benefit from competitive pricing and comprehensive coverage options.

At NITIC, we value transparency, personalized service, and dedication to protecting your business. When you partner with us, you’re not just choosing an insurer—you’re choosing a dependable ally who genuinely cares about the success and safety of your trucking business.

Ready to get your tailored truck insurance quote? Gather your information and contact NITIC today to ensure comprehensive and affordable protection for your trucking business.

Call 800-726-8376 or click to get your commercial truck insurance quote today!