The easiest way to save on ready-mix truck insurance is to compare several agents at once. After you fill out one simple form, we connect you with 3 agents who will compete for your policy. They offer their best quote and you choose the winner.
Why is My Ready-Mix Truck Insurance Policy So Expensive?
Ready mixed concrete is batched at a central plant, loaded into the truck, and then delivered to the construction site. Along the way any number of things can happen. It’s important to find a commercial auto insurance policy that completely covers your ready-mix truck against collisions on the road, rollovers at the work site, and accidents while backing up at the plant.
It’s also important to get a policy that doesn’t cost you an arm and a leg. This can be difficult for certain operations. Insurance companies increase their prices if you are:
- a new venture
- located in a state with more frequent road accidents
- have an unclean accident record
- transport across state lines
How to Save on Ready-Mixed Concrete Vehicle Insurance
Things are the way they are. If one of your drivers has been in an accident, you can’t take that back. However there are certain steps you can take now that will reduce your insurance price in the future.
Take preventative safety measures
When you mitigate your accidents, you reduce the overall cost of your insurance. While it’s impossible to foresee every accident, there are a few incidents common to construction operations.
- Rollovers due to driving on unstable or uneven ground
- Collisions due to faulty axles or brakes
- Backing into someone on the plant yard or delivery site because your driver was rushing
- Unnecessary Silica exposure to worker due to him not wearing the appropriate equipment while cleaning residue from the drum
Get all your coverage under one roof
Ask your commercial auto agent if he sells business insurance as well. Often, they can take care of all your insurance coverage — auto liability, physical damage, general liability, workers’ comp, and medical payments — all while offering you a lower price.
Pay your premium upfront
Instead of paying month-to-month, consider restructuring your policy so that you pay once a year in a large lump sum. Your agent can often give you a discount on your total amount if you structure your policy this way.
Compare multiple quotes
If you’re only talking to one agent, you’re doing it wrong. The best thing you can do today to save on insurance is to speak with several agents at once. You’re likely to find an agent who can offer you a more competitive price.
We’ve made comparing quotes easy. Fill out one form and we connect you with three agents who do construction insurance. They compete and you save.