Having a truck for your newly established business is one of the reason why you should have a commercial truck insurance quotes. Having a truck insurance quote will protect you and your business from every accidents that might happen to your trucks in the future. In some countries, having a vehicle insurance is a must, primarily for commercial business.
However, there are still many people who do not know how to apply for a commercial truck insurance quote and what to prepare before applying one. Making sure that you have prepared details needed by the insurance agency will smooth your way to get an insurance quote with the best possible offer. Take a closer look at these details to make you sure that you are prepared for your insurance quote.
Prepare Your Commercial Vehicle Policy
Once you have decided to get a commercial truck insurance quote, this is the first step you should probably do. Take a copy of the declaration page from your current commercial vehicle insurance policy to the insurance agent you have picked.
This information is very important for them to give them a hint on what truck insurance you should take, and more importantly, how to adjust your commercial vehicle policy so that it will best suit your business needs.
The problem is that, some people do not have any commercial vehicle insurance policy. If you are one of them, do not panic. As a starter, you can take a copy of your personal auto insurance to the insurance agent. This information will work as a basic information for the insurance agent about what truck insurance quote you should get
Prepare Your Company Profile
Your company profile matters during the process. If the insurance agent ask you about your company, you should tell them about how your company uses the vehicles, what exactly the vehicles do in the whole scheme of your business, and how far the vehicles are driven everyday. This information is very substantial to make sure that you are financially able to apply for a commercial truck insurance quote.
More often than not, the insurance agent will ask for the details of the vehicle you are going to insure. Make sure you have included the details, such as the make, the model, the year of production, the price when you buy it, the gross vehicle weight, current mileage, and vehicle identification number, in the list report you send to them. Furthermore, you can also put the driver information in your business.
Some information, such as legal name, date of birth, social security number, and driver’s license number, is needed by the insurance agent to know about the record of the drivers on your list.
Sometimes the company will call the Department of Motor Vehicles in your state to get to know the driving record of each drivers in your business. Hence, make sure that your drivers do not have any traffic problem during their work.
The last but not the least, the insurance agent will also need all of the auto insurance claim that you have made in the last three years. This information will give them a hint about your loss history record in your auto insurance to help you find the suitable commercial truck insurance quote.
At the end of the day, making sure that you have all of the details needed by the insurance agent will make you save a lot of time from every inconvenience you might face during the application process.
In order to make that happen, you should try to make some time for these steps. So now, it is high time for you to start preparing these details before applying for a commercial truck insurance quote.