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#1 Find out what type of insurance you actually need

Best Truck Insurance

In transport & logistics, contractors & owner-operators can often overpay for their insurance by not knowing exactly what it is they need to be covered for.
Know what type of truck, transit, plant or machinery you need to get insured and check that you’re not paying for extras or a level of cover that supports more than what you need. This sector of insurance can also be quite confusing, but most insurance agencies and brokers are more than happy to answer any questions you have, so don’t be afraid to get on the phone to to discuss the best truck insurance rates you can get.

#2 Compare Truck Insurance Rates

This one seems obvious, but we’re not just telling you to compare prices you find online.Call around! It’s amazing what you can find out by calling different insurers and brokers, not only do you get prices and a more comprehensive idea of your cover, you can also ask any questions you have come up as you go and negotiate around your business needs so you end up with tailored insurance at the best price.

#3 Check If Your Insurer Will Price Match

Nothing can help bring your premium down more than a good old-fashioned price war. Simply start with one insurer, get an official quote sent to your email and take it to the next insurer. The worst that can happen is that your insurer/broker says no and that’s generally because they will lose money.Therefore you know you’ve got a great price with the other insurer! It’s a win-win tactic.

#4 Check for Promo Codes

Who doesn’t love a good promo code! It always feels like a win when you can score that extra 5% or $50 off your premium.
We recommend simply typing in, ‘promo code’ next to your preferred insurer/broker name in Google and see what you can find!
It’s also not a bad idea to check out their social media pages, if they’re offering a discount, they’ll often promote it on their respective platforms.

#5 Join a Group on Facebook or Forum

At the end of the day, no matter what insurance or broker website you read an article on, you’ll always be skeptical of bias.
The best thing you can do is join a group on social media that is filled with people who do the same things as you! These guys will be able to give you an honest answer and opinion of who they found the best insurance with! There are plenty of groups and forums such as Australian Truck Drivers who have all had the joy of purchasing insurance for their trucks before! Get in the mix and score the inside scoop!

#6 Enlist The Help of a Broker

Speaking of bias… but seriously, we might be plugging ourselves here, but you don’t have to call us…even though it’s highly recommended!

The benefit of speaking to a niche insurance broker is that they live and breathe your industry. They know the risk associated with your work and your business, they’ve likely handled thousands of claims covering every possible scenario related to your work – so they are exceptionally experienced in getting your claim approved where it counts.The best part about engaging a broker- you can call them free of charge and they’ll offer you insight & advice.

Here at Truck Insurance HQ we pride ourselves on locking you down the best truck insurance rates. We have been operating for over 11 years, with multi-award-winning brokers handling your questions, your quotes and your claims with ease, taking away any stress associated with the process.
Experience our difference today and give us a call on 1300 815 344 or Request a Quote Online!