Looking to get the most out of your trucking insurance policy? Driver experience, age and upkeep of vehicles, and the time your operation has been in business are key factors insurance providers use to determine premiums. Consider the tips below to get the best trucking insurance coverage at the lowest possible cost:

1. Employ experienced drivers. Years of driving experience is one of the key factors insurance providers use to determine truck insurance premiums. Having more experienced truck drivers implies that your drivers can more easily deal with inclement weather, along with other less-than-ideal operating conditions. Tip: hire drivers with at least 2 years of CDL experience.

2.  Consider the age of your drivers. Truck drivers who are very young or very old tend to be involved in more accidents than average, and as a result employing these higher risk demographics will result in higher trucking insurance premiums. Tip: hire drivers between 30 and 62 years of age.

3.  Hire drivers with clean driving records. Drivers who have been involved in fewer accidents are less likely to be involved in further accidents in the future. To keep trucking insurance costs down, consider drivers with fewer accidents and violations. Tip: hire drivers with no more than 2 minor moving violations in 3 years.

4.  Verify driver employment history. The number of years a driver has worked with different companies is a key factor in determining truck insurance premiums. The chance of an accident is reduced if the driver is experienced with specific routes and equipment. Tip: verify each prospective driver’s employment history and references.

5.  Consider your routes. The different routes on which your trucks operate can impact your trucking insurance premium. Factors include population density, frequency of inclement weather, and so on. Tip: avoid high-population metro areas like New York, Chicago, Houston, and Los Angeles.

6.  Use newer trucks. The age, condition and value of your company’s vehicles are a factor in determining trucking insurance premiums. Upkeep of trucking fleets and recently installed equipment is also a factor. Tip: utilize newer trucks (10 years or newer) with modern equipment whenever possible.

7.  Stay in business. Simply staying in business under the same name and maintaining your operating authority will result in lower trucking insurance premiums because mew trucking operations are considered more risky to insure. Tip: stay in business and don’t change or revoke your operating authority.

8.  Keep a clean DOT safety record. Your DOT safety record includes your owner-operator or fleet DOT safety rating, Safestat and Inspection, Selection (ISS-2) scores, violations, and so on. Tip: monitor your DOT safety record and maintain a good standing.

9.  Consider a higher deductible. If you’ve addressed the factors above and are still seeking lower premiums, adjusting your policy is the next place to consider. A higher deductible will result in a lower trucking insurance premium, but you’ll incur higher upfront cost in the event of an accident. Tip: Use a deductible of at least $1,000 -- consider a higher deductible such as $2,500.

10.  Choose the right insurance agent. Last but not least: not all insurance agents are created equally. Consider an agent with access to many insurance carriers and specializing in trucking insurance in particular. Choosing a trucking insurance specialist is critical both to getting the right coverage and getting the most value for your dollar.

  • $1 million CSL
  • $750K
  • Bobtail Liability
  • Federal Filings
  • Form E
  • MCS-90

ARTICLE:  10 Ways to Save on trucking premiums 

Non-Trucking Liability (Bobtail Coverage) provides limited liability insurance for owner-operators who are permanently leased to an ICC regulated carrier. It provides limited liability protection when the owner-operator is not on dispatch, nor pulling a loaded trailer. For example, this truck insurance coverage would apply when the owner-operator gets their truck washed or brings their trucks into a shop for repairs. Once the owner-operator is under dispatch, they are covered under the Primary Liability insurance policy of the company that they are leased to.


Trailer Interchange Insurance is coverage for the legal liability of truckers for loss or damage to non-owned trailers and equipment which are in the insured's possession under a written trailer interchange agreement.

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  • Reefer
  • Trailer Interchange
  • Contingent Cargo
  • Brokerage Coverage

Baker-Pegram has a Trucking Department devoted to issuing insurance certificates (COI's) and keeping your wheels rolling.

Owner operator to Fleet Coverages 

We represent over 30 insurance providers offering various commercial auto coverages, so we can create a comprehensive package that serves your needs and budget.

Motor Truck Cargo insurance is needed to protect the carrier in case of lost freight or damaged goods. There is a maximum load limit per vehicle with this policy. Truck insurance coverage limits can range from $10,000 to $100,000 with excess policies available upon request. Pricing for this insurance is mainly dependent on the type of cargo being hauled.Type your paragraph here.

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Primary Liability Insurance coverage protects you from damage or injuries to other people as a result of a truck accident. This coverage is mandated by state and federal agencies and proof of coverage is required to be sent to them. We provide coverage limits ranging from $35,000 to $1,000,000. Pricing is dependent on region, driving records, and history of the trucking operation. For a more detailed description of this type of truck insurance coverage visit our information center.


Physical Damage Insurance is coverage for your truck and trailer. This coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles. Truck Insurance pricing is based on the value of your equipment and usually pays a percentage of that value. This coverage may be required by the lien holder of your vehicle.



Interstate Operating Authority is permission granted by the federal government to transport regulated freight across state lines. Interstate Operating Authority is now granted by the Office of Motor Carrier Safety Administration under the auspices of the Federal Highway Authority. Unlike many of the other regulations governing interstate operations, there is no minimum weight threshold that requires compliance. Any vehicle operating for hire in interstate transportation of regulated freight or passengers must have operating authority. Our in-house ICC practitioner can handle all of your necessary filings.

Physical Damage