1) Slow down and keep your driving record clean. This alone can save up to 30% on your rates.
This one is quite obvious, but needs to be said, if you don’t have anything to claim on your insurance, they’ll give you better rates, if they don’t ask them for better rates, or go else where, insurance companies are always happy to insure safe drives and give you good rates for it as well.
2) Prove to your new company you are a good driver. Ask your present company for a 3 year loss history.
What this basically means to you, is that you can prove your driving history, and get a report about it from your current and/or previous employer. This report will be worth it’s weight in gold when you go to get insurnce, as it’s a history of accidents, or lack of them, and things that will be related to your insurance claim, the better the report, the insurance rates will be.
3) Where you park your truck at night counts! Check with your broker if you have choices where to park.
This one is very important! it might seem like it, but if you park your truck out on the street at night, there’s a chance a driver will bump into it or worse, if you park in your driveway or put the trunk into a garage you’ll get better rates because there is less risk of damage to your truck.
4) Protect your investment. Lock and remove your keys from your truck no matter where it’s parked.
This seems like common sense, but if your truck is stolen and you left the keys in it, what do you think the insurance company is going to do when you try and claim it?
5) Don’t put a new driver behind the wheel until you have company approval.
This one might not be related to you right now, but it might in the future, you should always make sure you have permission from the company you are working for to put someone else behind the wheel of your truck, and you need to call your insurance broker to make sure it’s not going to invalidate your insurance either. There are sub contractor rules in various states and you need to ensure if you fall under them, you follow them.
6) Routine maintenance and safety inspections are worth their weight in gold.
If you take good care of your truck, and you can prove it, the insurance companies will give you better rates once again. The main reason is that a well maintained truck is going to be less likely to cause an accident then a poorly maintained one, what if a wheel blows out or something worse? It happens, and the more well maintained your truck is, the less likely it’ll happen to you.
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