• Choose a deductible you can afford. Choosing a higher deductible may save you money on premiums, but youll pay more out of your own pocket if you do have an accident. Choose a deductible based on how much money you realistically can afford to pay for repairs. Ask about combined deductibles, which allow you to pay one deductible that covers the truck, the trailer, and the cargo, instead of paying separate deductibles for each.
  • Look beyond price. Sure, you want the most affordable California truck insurance you can find, but you also want an agent who will be there for you in the event of an accident. Your agent should be knowledgeable, willing to work with you, and able to provide coverage specific to your needs. Try to find someone you trust, preferably a broker that is referred to you by friends and colleagues.
  • Shop around. Use a truck insurance broker that can shop with many different carriers to get you the best combination of price, coverage and service. Make sure your insurance company has a strong financial rating (rated by A.M. Best).

Types of Coverage for Your Equipment:

  • Primary auto liability insurance is required by federal law, and covers you if you are involved in an accident in which someone else is injured. Even if you lease your equipment, you are still required to have primary auto liability at a limit of at least $750,000 CSL. 

Types of Coverage for Your Equipment:

  • While primary auto liability insurance is required by federal law, physical damage insurance covers the truck and/or trailer for comprehensive and collision. And although it is not required by law, you may be required to have it if you are financing your equipment. The premiums usually cost a percentage of the market value of the truck.