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New Jersey Commercial Truck Insurance Policies may include:
NJ Commercial Truck Insurance Primary Auto Liability: Federal and/or state Mandated truck insurance coverage for personal insurance or property damage to others which protects from injury or damage to others as a result of a truck accident.
Physical Damage (Comprehensive & Collision, some call it “Full Coverage”): Optional protection covering the repair or replacement of the truck or trailer.
NJ Commercial Motor Truck Cargo: Protection for the transporter for his or her responsibility in the event of damaged or lost freight.
Trailer Interchange: Coverage for the legal liability of truckers for damage or loss to trailers and equipment which is owned by another persona or company which insured’s possess under a written trailer interchange agreement.
(NTL) Non Trucking Liability: Provides limited auto liability truck insurance for owner operators who are leased permanently to an ICC regulated carrier.
New Jersey Commercial Truck Insurance Tips and Tricks for Getting the Most Affordable Business Auto Insurance Coverage
With the cost of business auto insurance continuing to rise, it’s becoming increasingly important for business owners to take the time to research their options and find the most affordable coverage. Commercial trucking businesses in New Jersey face a unique set of challenges when it comes to obtaining the most affordable business auto insurance coverage. Here are some tips and tricks that can help you get the best deal on your New Jersey commercial truck insurance.
1. Shop Around
One of the best ways to find the most affordable business auto insurance coverage is to shop around. Different insurance companies offer different rates and coverage packages, so it’s important to compare different options to find the best fit for your business. It’s also important to consider factors such as customer service, claims response time, and coverage limits when choosing an insurance provider.
2. Consider Discounts
Many insurance companies offer discounts for businesses that take certain safety precautions or have good driving records. For example, companies with a good safety record may be eligible for a discount on their business auto insurance. Additionally, businesses that install anti-theft devices, like GPS tracking systems, may also be eligible for discounts.
3. Raise Your Deductible
Raising your deductible is another way to save money on your business auto insurance. Increasing your deductible can lower your premium and help you save money in the long run. However, it’s important to remember that you will have to pay the deductible if you need to make a claim, so make sure that you are comfortable with the amount you choose.
4. Bundle Your Policies
Many insurance companies offer discounts when you bundle your business auto insurance with other policies. For example, you may be able to get a discount if you bundle your business auto insurance with your general liability insurance or your commercial property insurance.
5. Take Advantage of Online Resources
The internet is a great resource for finding the most affordable business auto insurance coverage. There are a number of websites that offer comparison tools that allow you to compare rates and coverage from different insurance companies. Additionally, many insurance companies have online calculators that can help you determine your premium.
6. Review Your Coverage Annually
It’s important to review your business auto insurance coverage periodically to make sure it still meets your needs. Your business may have changed in the past year, and your coverage may need to be adjusted to reflect those changes. Additionally, you may find that you can save money by switching to a different provider or adjusting your coverage limits.
7. Invest in Safety
Investing in safety can help you save money on your business auto insurance. For example, installing a GPS tracking system can help you monitor your drivers’ activities and can also help you save money on your premiums. Additionally, investing in driver safety training can help reduce the risk of accidents and can also lead to lower premiums.
8. Review Your Claims History
Your claims history can have a big impact on your business auto insurance premiums. It’s important to review your claims history periodically and make sure that the information is accurate.
By following these tips and tricks, you can help ensure that you get the most affordable business auto insurance coverage for your commercial trucking business in New Jersey. Taking the time to research your options and compare different insurance companies can help you save money in the long run and ensure that you have the coverage you need.
We proudly sell and service Progressive Fleet Insurance, National Indemnity Fleet Insurance and Berkshire Hathaway Fleet Insurance and several other companies.
Our list of our most insured trucking business types:
Box truck •Dump trucks •Flatbed truck •Express delivery truck •Refrigerated trucks •Tanker trucks •Truck Tractor insurance •Other commercial big rig truck insurance •Heavy Box trucks •Dump trucks •Flatbed trucks •Front loaders •Garbage trucks •Pickup trucks with standard or commercial beds •Cement and pump trucks •Refrigerated box trucks •Roll-on vehicles •Semi trucks •Stake body trucks •Straight trucks •Tank trucks •Tow trucks •Tractor Trailers •Vocational trucks •Bottom dump trailers •Bulk commodity trailers •Concession trailers •Dry freight trailers •Dump body trailers •Flatbed trailers •Gooseneck trailers •Horse trailers •Livestock trailers •Logging trailers •Lowboy trailers •Pole trailers •Refrigerated trailers •Tank trailers •Tilt trailers •Transfer boxes •Fuel Haulers.
So no matter what your trucking for hire carrier operation drives will will most likely be able to insure it for you. We will take care of your FMCSA federal ICC filings and get you a copy of the MCS90 for you files. If you are having trouble finding an insurance company in New Jersey get help from the state commercial auto plan name NJCAIP here.
The rules of the New Jersey Department of Transportation (NJDOT) are established within the New Jersey Administrative Code (N.J.A.C.) Title 16, Transportation. Rules expire every seven years and must be re-adopted or allowed to lapse.
Courtesy copies of Department rules can be viewed below. For your convenience the Motor Vehicle Commission’s rule describing the process to obtain permits for over-dimensional or overweight vehicles is also found below. The official version found in the N.J.A.C. can be viewed at LexisNexis. Should a discrepancy be found between the courtesy version and the official version, the latter shall govern. * Source https://www.state.nj.us/transportation/about/rules/current.shtm