Driving as an Independent Trucker – Bobtail Insurance
Being an independent trucker means that you can enjoy the freedom of being self-employed and being in control of your own workload and schedule. However, with freedom comes some added responsibility that you should be aware of. Bobtail insurance is a special type of business insurance coverage that protects you and your truck when you driving without a trailer. Trucking companies have liability insurance that covers you while on a job. On your way to and from a delivery, you are not covered unless you have bobtail insurance. If you drive a truck and are not a regular employee of a trucking company, give us a call to talk about bobtail insurance.
What Is the Cost of Auto Insurance These Days?
When was the last time you shopped for car insurance? Most people tend to stay with the same company for many years. The reasons vary but it is easy to stay with one insurance provider, especially when the service is good and if your car insurance bundled with other products. But it pays to ask around every few years to find out if there are better rates available. Insurance brokers can help you find the best rates. They often have access to special rates and discounts that the insurance companies don’t advertise. So let the best insurance agency help you do the shopping and reduce your costs.
Reducing Car Insurance Costs
Have you noticed that your car insurance premiums keep going up, even when you haven’t made any claims, haven’t changed your driving patterns, or incurred any driving infractions? One of the best ways to reduce your car insurance is to get quotes from a few different insurers every few years to confirm that you are still getting a competitive rate. Many insurance companies offer special rates for switching, and since the competition is fierce, you may be able to get a better deal or additional coverage for the same amount as you were paying with another company. Another option is to switch to usage-based car insurance (UBI).
Try Usage-Based Insurance to Save Money
Most insurance companies are now offering some form of UBI in which your driving habits and patterns are monitored and your insurance rate is based on the data, rather than a historical account of your driving record. For safe drivers and people who don’t drive a lot, UBI could be a good option to reduce your rates. Insurance companies can offer better rates when they have more information about where you drive and when because they can more accurately assess the risk involved in insuring you. You may be concerned that your rates could actually increase based on your usage data however insurance companies are not permitted to penalize you based on UBI data, they may only offer discounts for safe driving.
Ask an Auto Insurance Broker – E&Y Agency
E&Y Insurance Agency is an auto insurance broker in Troy, Michigan, specializing in personal and commercial auto insurance. We can help you determine what coverage you need for your vehicle and find you the best rates for the policy. Call us if you are an independent trucker, drive for a company or are looking for personal auto insurance at (248) 362-1313 for a consultation or to ask about business insurance, health insurance, home insurance or income tax preparation.
