Driving a truck is not a child’s play. Not only do truck drivers have to cover longer distances, strenuous driving conditions, and long work hours, but since trucks are these large vehicles going through some of the toughest roads in the country, the risk of a truck accident is higher than a normal commuter vehicle.
Around 500,000 truck accidents happen in the US every year. This is why it is so important to get the right truck insurance that provides excellent coverage and does not break your bank.
We scoured the market to look for the best truck insurance policy you can get. But what makes a truck insurance policy “best”? To set the definition of best, we set five parameters or factors and tested each insurance company based on these factors.
Factors We Considered
Trucks and truckers move around the country more than the winds. So one of the most important factors when it comes to great truck insurance is the availability and serviceability of the insurance company.
You don’t want to be stuck in some state where your insurance company does not operate. This is why the insurance companies we have considered and selected must have a great presence all around the country.
Trust and Reliability
The entire reason why people choose auto insurance is trust and reliability. No one would want to keep paying monthly or yearly premiums just to find that the day they need the money, the insurance company starts pointing out specific terms and conditions written in microscopic fine prints that say you cannot claim for such accidents. You do not want to be stuck in that situation.
This is why we have selected the most trusted and reliable truck insurance companies in the country with a great track record of insurance payouts, and the least amount of hassle. This is more important for truckers than for an average commuter.
For a commuter, the car is just a means of going from point A to B, but for truckers, it is what puts food on the table. This makes trust and reliability even more important and impactful.
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We looked at all the online reviews, consumer forums, complaints, and overall customer experience associated with these insurance companies and chose only the ones that offered the most positive experience to the customer. This includes customer satisfaction and great reviews for the services. It was a big deciding factor because many insurance companies had some terrible reviews.
What does the truck insurance offer? Does it offer great coverage? Does it provide bundled comprehensive and collision coverage? Is there any special coverage made for trucks? All these factors are a big deciding factor for this list and we have chosen the ones with great coverage.
This factor might be the most important factor for many, and rightfully so. Price makes a lot of difference. This is why we have chosen not only the cheapest insurance providers for your truck but also the best in features and coverage.
With that out of the way, let’s take a look at the best commercial truck insurance in the US
There is no surprise that the country’s biggest auto insurance and truck insurance company would be on this list. Progressive is a giant when it comes to truck insurance and its excellent coverage, great prices, amazing customer satisfaction, and presence in all 50 states make it one of the best options to get truck insurance.
Progressive offers great discounts, easy claim filing, excellent customer support, and special truck insurance policies.
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Another great company that offers great auto insurance policies, State Farm offers some of the best truck insurance in the country. Like Progressive, it too has a country-wide presence, covering all the 50 states. State Farm has some of the best consumer ratings, if not the best, for truck insurance service.
It offers great discounts, and an easy claim filing process, their agents are some of the most helpful insurance agents, ready to help wherever and whenever. The only thing we did not like was there is no online quote option. You’ll have to contact one of their agents to get a quote.
How can we talk about truck insurance and not mention Sentry? The experts of truck insurance, Sentry has been one of the favorite insurance companies for truckers. The company is part of many truck associations, including the American Truck Association. These guys know trucks, and that makes it a great choice.
The great thing about Sentry is their excellent presence all over the country, great, tailor-made insurance coverage for trucks, and helpful and skilled agents who will guide you through every process of the insurance claim. The only gripe we have is that there’s no online quote availability and everything must be done through agents.
Another great and trusted truck insurance company is Hartford. With an excellent network in all fifty states, Hartford is known to give special packages, complimentary coverage, and a lot more. But the common issue persists here as well. There is no online quote available and everything must be done through agents.
Other Great Truck Insurance Companies
NITRIC – Perfect for a single truck or a small fleet
Coverwallet – Instant online quote, no agents needed to buy a policy.
Nationwide – Faster claim to file. Great customer service.
That was all about the best commercial truck insurance companies in the US that you can choose.