When you’re driving a car, your insurance rates are the same whether you have a toddler in the back seat, Christmas presents in the trunk, a mattress strapped to the roof or even a trailer hauling your worldly goods hitched to the back. Trade show heavy truck insurance is different and it’s important for your wallet and your business to be aware of this.
All uses are not alike
One reason for this is because, hopefully, your household items are covered under homeowner’s or other personal insurance, but that’s a question for a different day. The point is, when you’re insuring a car, the things that change rates have more to do with a vehicle’s age or model than what you’re carrying. Even size doesn’t drastically impact insurance rates. The same thing isn’t true of commercial vehicles, and this is critical to remember when you’re shopping for coverage.
As an owner/operator or even a driver, being mindful of the way your truck differs from a car is crucial. What you’re carrying can make a real difference, as does the use to which you’re putting the vehicle.
Trade show heavy trucks can be in a class by themselves
Vehicle classes, cargo types, and usage all make a difference when you have a commercial vehicle. As much as you may love driving and your business, not being aware of the way such differences can impact the type of coverage you need, will do more than raise your rates while you try to deal with fines or legal problems, it could put you out of business or cost you a license.
It’s also important to remember that different states have different trade show heavy truck coverage minimums. Sometimes even the type of show may matter.
In what way is this not complicated?
The reason it can be easy is because what you really need is the right insurance agent. She will do most of the work for you. You need to tell her what you’re driving, where, when and why. She’ll do the rest. A good agent will put together a package that meets your needs and state requirements.
A good agent will also remind you that covering just minimum requirements isn’t always the best way to go. That will put you on the right side of the law, but could leave you in a ditch when it comes to paying bills or recovering losses, especially if someone decides to sue. Your agent will find you a package that provides you with the best options for your needs and finances.
So, What’s next?
Regulations vary from state to state and no insurance policy is identical to any other. And the myriad of things you can have covered means you don’t have to pay for too much coverage, you can tailor it to your specific risks. Our coverages include:
Trucking Insurance USA specializes in a wide variety of coverage’s including: