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truck insurance

Discussion in 'Business Fundamentals' started by OhioPlower, Jan 6, 2012.

  1. OhioPlower

    OhioPlower Senior Member
    Messages: 440

    How much are you guys paying for insurance on your trucks? I just got a 2012 chevy dump and got a quote of 1100 every 6 months for commercial use, or 183/ mo. Does that sound right? Sounds high to me..
  2. jklawn&Plow

    jklawn&Plow Senior Member
    Messages: 469

    Sounds low, but did you get a 1mil policy? you the only driver? then its high but any violations in the last 39 months?

    NICHOLS LANDSCA PlowSite Veteran
    Messages: 4,286

    Probably right, I remember when the Freight was new it was $6k/yr. Don't even ask anymore just call and have it added what ya going to do? Kinda like bitchin about fuel prices you need it
    Last edited: Jan 7, 2012
  4. RMGLawn

    RMGLawn Senior Member
    Messages: 252

    I'm 21 and pay 204 a month on my 2011 F250. Full coverage. 1k deductible
  5. OhioPlower

    OhioPlower Senior Member
    Messages: 440

    Well I found a insurance company that is 55/ mo less but they have horrible reviews, looks like ill be paying a little more, would hate for a claim to get denied and get stuck paying for it
  6. 4d9

    4d9 Junior Member
    from 49329
    Messages: 12

    my insurance company quoted me 1200 for commercial coverage on my 07 gmc sierra plus 900 for commercial liabilty with me as the only driver, 41 years old with no tickets, they also informed me that i needed commercial license plates on my truck also. I have since decided that i am only going to plow my driveway at this point
  7. OhioPlower

    OhioPlower Senior Member
    Messages: 440

    I guess I could have put more info in my post. Im 24 1 speeding ticket. Im just talking about commercial coverage on the truck, I have a sperate 1 mil liability policy for landscape/ snowplowing work
  8. EIB

    EIB Senior Member
    Messages: 258

    900.00 a year for a commercial truck policy. 2003 F350

    1900.00 a year for a 2 mil business coverage
  9. kg26

    kg26 Senior Member
    Messages: 300

    Not to shabby
  10. allagashpm

    allagashpm Senior Member
    Messages: 700

    02 f250 diesel I pay 160 a month, its business and personal though so its higher. I have a seperate gl policy for 1mil that is 800 a year
  11. JimMarshall

    JimMarshall Senior Member
    from NW PA
    Messages: 785

    You don't want to know what I pay for my insurance, auto and all my liabilities come on the same bill though.
  12. kg26

    kg26 Senior Member
    Messages: 300

    That low huh?
  13. scott3430

    scott3430 PlowSite.com Addict
    Messages: 1,003

    It pays to be in my thirties, married, and with a clean driving record......knock on wood.

    It still sucks when I think about all the $ going out each month for insurance on equipment, trucks, liability, wifes car, health, home.......I'm sure I'm forgetting something.....oh yeah, motorcycle.

    Oh well - gotta have it!....:help:
  14. JimMarshall

    JimMarshall Senior Member
    from NW PA
    Messages: 785

    I don't know, is $2k a month low to you?
  15. kg26

    kg26 Senior Member
    Messages: 300

    No not by a long shot.:gunsfiring:
  16. gafred

    gafred Member
    from Boone
    Messages: 36

    On your commercial truck policy, what all does it cover? I ask thats a low $ amount and if same as my high $ I should switch.
  17. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    Lot of factors in insurance quotes. Age,credit score,full time in the business,deductible,collision insurance,,city /suburbs.state,marine inland,value of the truck.
  18. EIB

    EIB Senior Member
    Messages: 258

    It covers what a normal policy covers. It just covers it while Im plowing. If you just had a regular policy it wouldn't cover you while plowing.
  19. Krrz350

    Krrz350 Member
    Messages: 93

    My state is very strict on consumer protection for insurance, so the can only base it on ticketable offenses, no credit checks etc.

    With that said my record isn't the greatest, everything except parking tickets is surchargeable.

    I pay 2200 a year through progressive commercial, that's including personal use and a snow removal/firewood rider, collision & comprehensive, minimum limit of 40000 property damage, and 100000/300000 medical. In order to get a GL policy of a half million, I had to have matching coverage on the vehicle policy as well, which all total would have been around 6000, i couldn't do that for driveways.
  20. Krrz350

    Krrz350 Member
    Messages: 93

    I just saved a ton of money on my car insurance by switching to reverse and leaving the scene.