Have you recently purchased an awesome semi truck and need semi truck insurance? Are you not happy with your current semi truck coverage and wondering what to do? Or maybe you’re considering purchasing a new semi and want to know as much as you can before you do? Regardless of your stage in the process, you’re in the right place.
Insurance can be tricky. It can be daunting and confusing. Some may wonder why insurance is even that important.
One simple reason: semi trucks are expensive. You want to protect your investments. Another reason to get insurance? Trucks are big and heavy…they can create some serious damage. Lastly, without insurance, your company is at major risk!
The goal of the summary is to make things a little easier for you. There are several types of semi truck insurance; discussed below are the five main types:
Types of Semi Truck Insurance
Primary Liability Insurance
This is the one type of insurance that the law requires. It doesn’t cover your truck but does cover the damage done to others and/or their vehicles, property, etc. Whether you are an owner-operator or leasing a truck, this is a necessity.
Physical Damage Insurance Coverage
The truck and trailer will be covered under this type of insurance situations including accidents, theft, fires, etc. Physical damage insurance is not required if you own the truck but if the truck is financed, the lien holder will require this insurance.
Driving your truck without a trailer is known as bob-tailing – hence where the insurance name comes from. Bobtail insurance is the coverage you need when on and off the road (like getting service done) without a trailer. Semi owner-operators who occasionally make trips without dispatch are usually requited to have this coverage.
Motor Truck Cargo Coverage
There is a saying out there, “precious cargo.” A truck’s cargo IS precious, so it is important to have cargo insurance. This protects the cargo if it is damaged, stolen, etc. Read the policy fully so there are no surprises if your cargo is affected anywhere in the future.
Other Housekeeping Items
Basic Information Needed
When it’s time to get a quote, there are some certifications and things to have on hand:
- Current insurance policy “dec page” or declarations page
- Don’t have a dec page? If not, bring your personal auto insurance
- Driver’s license
- Driving history (be honest!)
- VIN number OR make, model, year, and manufacturer
Do’s and Don’ts
- Don’t go with the first quote received
- Get several quotes to compare
- Increase deductibles if possible → the larger the deductible, the less expensive the insurance
- Pay up front if possible
- Insure all vehicles under the same provider → more benefits
- Shop around for insurance a few times throughout the year → prices may vary depending on time of year
- Cheapest isn’t always the way to go
- Google the insurance company’s reputation → make sure they understand the trucking industry and its business
- Driving record
- Credit score
- Limit of liability coverage
- Type of operation
- Radius of operation
- Age/condition of vehicle
- Location of trucks during downtime
Question to Ask
- What are all the policy options?
- Is there an unlimited policy?
- What kind of deductible options are there?
- Are there any discounts?
- What does this insurance not cover?
- Are there claim reporting abilities at any time of the day or just business hours?
- How can the (decided) policy be suited for the individual needs?
Put as nicely as possible, insurance can be a lot. Remember that transparency is key. Discuss your options for insurance on a semi truck with multiple insurance companies. Compare the differences between policies and choose which one fits the needs of the truck you’re getting insurance for. Finding resources will help make the process easier. Our daughter
company, All Wheels Financial, could be one of those resources. We send positive vibes and hope the semi truck insurance purchased will be one to last for many, many years!
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We see them everywhere we go. We see them on the road, on the side of the road, at rest stops, at grocery stores…everywhere. With that being said, have you ever wondered what it looks like inside a big rig? These drivers travel from coast-to-coast where their 18-wheeler becomes their second home on wheels. Making a big rig suitable for day-to-day living, manufactures put a lot of thought into building the rig digs to make it comfortable for the driver, on and off the road. They don’t all look the same; the appearance, depends on the manufacturer, the decor and taste of the driver, and even additions of luxury for big rig owners.
It isn’t always easy for the men and women of trucking to be on the road for long periods of time. The comfort of home, family and friends, and familiarity isn’t at arms reach. It is important to make these big rigs comfortable and livable for drivers, as well as a place to maximize productivity. What are the things that drivers cannot live without on the road? A place to get good rest. A place for their food (both cold and dry). Compartments for their clothing and other personal belongings.
Want to see what it looks like inside a big rig? Take a look at the inside of a 2020 Peterbilt 579.
Inside a Big Rig
Here we have the very front of the big rig. It looks similar to any other truck and car out there. It has its steering wheel, its gears, and its seats. Not much to see inside…yet. The coolest feature about this part of the truck simply the height: how far the driver is from the ground. It’s like the whole world is visible from this height! The dashboard is another cool feature. It is specifically designed ergonomically to avoid stress on the body by keeping everything a close distance.
If the driver turns to their right, they would see the closet and refrigerator inside their big rig. The necessities. The driver can stock up on their favorite cold drinks and snacks without worrying about them being warm. Notice the small ice chest amenity…ice cream anyone?! The closet above is a perfect spot to put anything from clothing to books inside.
Directly opposite of the refrigerator, behind the driver’s seat, are a lot more compartments for storage for the driver. There is a radio, chargers for phones and ipads, and controls for the heat and air conditioning (HVAC controls).An overhead light keeps this area well-lit, and drink holders to ensure the driver has a way to keep their beverages upright. Visible in this photo are blinds that go over the windows to block outside light and ensure the driver gets restful sleep.
The last two images shows the view of the very back of the sleeper. This particular big rig has a bunk, or two beds. Notice that the top bunk can easily fold up to give the driver more room if need be. The area is actually quite spacious for being inside a big rig! A driver’s comfort is a crucial part of their health and overall well-being.
A big rig may not be anyone’s first choice, but it sure isn’t a bad second choice, or even one’s office choice! Sometimes people who aren’t familiar with the trucking industry don’t understand the world of a trucker. Hopefully with a view inside of a big rig truck, more people can understand and appreciate the work of a truck driver.
If a big rig purchase is in your future, look no further. Allstate Peterbilt is proud of their salesmen, who are willing to help provide ease and clarity when making a big purchase like that of a new Peterbilt!
We are all in our little corner of the world. It is easy to forget all the people, places, culture, and scenery that exists out in the world, let alone the US. While some may choose planes to get from destination to destination, others prefer the wide-open-roads. And for those people, they may want to bring their attention here. There are interstate highways, US numbered highways, state highways, country highways. Below are the top six famous highways not to miss, whether it’s a family road trip vacation, a trucker’s map of the must have routes to deliver their loads, or a time to be alone and soak in all the quiet. Get ready to start planning!
Pacific Coast Highway
Also known as PCH, US 1, State Route 1, Highway 1. Whatever name used, it is iconic nonetheless. This gorgeous, iconic highway will take over all the senses. If picture perfect views of never-ending oceans, mansion-covered hills, and mountains galore are desired, look no further. A highway with countless amounts of buzz and praise, once seen, there is no way the praise won’t be understood. It’s always encouraged to drive the 650+ miles through the entire PCH, giving around 6 days to see it all. Starting in San Diego and finishing in San Francisco/Big Sur, the experiences of different cultures, foods, views, and people will bring memories to last forever. This famous highway is too good not to be on the bucket list for 2019.
Also known at US 1 or Route 1. On the other side of the US, there is the Atlantic Coast. It’s there where the Seven Mile Bridge is located. This bridge is connected to other bridges, extending about 113 miles long in Florida. It’s one of those sights one would need to see to believe. Two parallel highways, surrounded by nothing but blue ocean. Can you picture it? This Overseas Highway has been the set of movies, car races, and the only connection to several islands. At one end, Florida Keys. The other? Miami. Museums, state and national parks, winning fishing sights, it all will almost be as good as those sunrises and sunsets. Pure serenity.
It doesn’t get any more famous than Route 66. The ‘Historic‘ Route 66, constructed in 1926. “The Mother Road.” Chances are this famous highway is ringing some bells. Route 66 begins in Chicago and goes through SIX states (Santa Monica, California. Missouri, Kansas, Oklahoma, Texas, New Mexico, Arizona) before reaching its stopping point. It’s symbol is famous. It’s been in famous movies and books. The bet is safe to say that people have seen this highway somewhere. AND this iconic highway was, and still is, ideal for truckers because of the basically straight shot across all states. Very suitable for those behind the 18-wheelers.
Blue Ridge Parkway
Nature at its absolute finest. This famous highway has every source of landscape; meadows, farmland, mountains. Follow the windy roads to see some of the oldest mountains (Great Smoky Mountains) or stop to take a hike at some of the key trails along the 469 miles of this famous highway. There is indeed something for everyone. Virginia and North Carolina is the destination to book for a relaxing, breathtaking road trip.
Great River Road
Some say this is the longest AND most scenic highway in the US. With the iconic Mississippi River on one side and the changing of scenery on another, making through the 10 states (Minnesota, Wisconsin, Iowa, Illinois, Missouri, Kentucky, Tennessee, Arkansas, Mississippi, and Louisiana) will be anything but boring. Covering a radius of 3,000 miles, it takes 36 hours to go through…nonstop. With so much to see, it may be the best to pick the cultural and city attractions that stand out the most. A little known fact; the Great Lakes became what it is today because of an area that was completely covered during the Ice Age.
Highway 12 – Utah
Utah and red rock. Surrounded by gorgeous greenery. Staggering, spectacular, stunning…they all work! Boulder Mountain on one end and Bryce Canyon on the other. Many updates have happened on this road, to ease driving routes and extensions to other destinations. Also known as “A Journey Through Time Scenic Byway,” these 122 miles will provide enough red rock cliffs for a lifetime.
There it is. Six of the most famous highways in the United States. Not sure which place to visit first? Makes sense. To the truckers and drivers of the world, keep a close eye on where the routes are scheduled so there is no way to miss any of these unbelievable sights. Although Allstate doesn’t have drivers for long distances, if the shorter ones are more attractive, look no further. If crossing over states, over many hours is a possibility for the future, hopefully this will help.
April is right around the corner. This means sun shining, windows down, music loud. Are you picturing it yet? Okay, now you’ve turned on your Spotify playlist filled with the best trucker songs of all time; some new, some old, all awesome. Now you’re really in a good mood!
You see them everywhere. Those big semi’s that seem to take up the entire road and always drive “way to slow.” Just a reminder, there are actual people inside those trucks! Truck drivers who dedicate their life to being on the road. Their responsibilities are making sure the clothing we wear, the produce we eat, and the vehicles we drive arrive at their destinations in time for us to purchase them. They, without a doubt, keep America moving!
Now the question is, do you want to be a part of the movement and become a truck driver?
Checklist for Winter Truck Maintenance
With the coldest months of winter upon us, it’s important to prepare your trucks for extreme cold temperatures. Extreme cold may impact the aftertreatment system heat management, which could impact the efficiency of your truck if not maintained properly.
The Importance Of Cleaning Diesel Filters
When was the last time you had your diesel particulate filter (DPF) or diesel oxidation catalyst (DOC) cleaned? If the answer is, “I don’t know” and your truck is newer than a 2007 model, it is time to visit a repair shop. If your diesel engine is newer than 2007, here are a few things you should know to extend your filter life and increase your fuel efficiency.
Why You Need a Valve Adjustment for Your Diesel Engine
A valve adjustment (sometimes also called an overhead) is vital to the health of your diesel engine to ensure proper combustion. This is often an overlooked task for proper engine maintenance; however, neglecting your valves could lead to a lot of unwanted hassles like loss of power and decreased fuel efficiency. Keeping a close eye on the valve lash can alert you to a problem before it leads to hefty repair costs for your diesel engine and a lot of unplanned downtime.