Pennsylvania Commercial Truck Insurance
With more than 20 years of experience offering specialized commercial truck insurance to Pennsylvania truck drivers, hundreds of 5-star Google reviews, and an A+ rating from the Better Business Bureau, we consistently ranked as truckers’ first choice when searching for Pennsylvania commercial truck insurance. NITIC provides continuous customer assistance 24*7 hours, the quickest claim resolution, service discounts, and simple online policy access.
Trust NITIC for All of Your Commercial Truck Insurance Needs in Pennsylvania
Understanding the commercial truck insurance rules in Pennsylvania can be challenging. Let us help guide you.
You should always have the proper commercial truck insurance, regardless of how much experience you have in the trucking industry or how long you have been operating your commercial vehicle in Pennsylvania. This insurance provides good financial support in the event of property damage, bodily injury, or loss of life in addition to being legally required.
How can NITIC help truckers in Pennsylvania like you?
At NITIC, we strive to make comparing commercial vehicle insurance rates straightforward and useful. Whether you are a private carrier, owner-operator, or commercial motor carrier, we offer insurance coverage for all business types. We make sure you get the greatest protection at a cost you can afford when you engage with us for your vehicle insurance.
We follow the fastest claim resolution procedure, and we provide the necessary monetary assistance straight away.
Our commercial truck insurance quotes cover all areas of Pennsylvania
We provide coverage for all Pennsylvania cities, including the following when it comes to commercial truck insurance:
- Philadelphia
- Pittsburgh
- Allentown
- Reading City
- Erie
- Upper Darby
- Scranton
- Lower Merion
- Bensalem
- Abington
- Lancaster City
- Bethlehem city
- Bristol Township
- Lower Paxton
- Millcreek township
- Haverford
- Harrisburg
- Middletown township
- York City
- Wilkes-Barre city
- Manheim township
- Altoona
- Hempfield township
- Penn Hills
- Northhampton township
- State College
- Cheltenham
- Norristown
- Falls township
- Upper Merion
- Cranberry Township
- Hampden
- Mount Lebanon
- Radnor
- Warminster
- and surrounding towns and cities.
Customers in these Pennsylvania cities can choose from a variety of discounts. For the best protection for your business, just give us a call.
Commercial truck insurance coverages in Pennsylvania
In order to protect themselves against accidents that result in both property damage and physical harm, truck owner-operators are required to get third-party insurance by every state in America. To protect your Pennsylvania trucking company against unanticipated events like crashes, vandalism, natural catastrophes, and others, you need enough commercial truck insurance.
You may obtain the following coverages through NITIC, which will aid you in managing your trucking business successfully and provide first-rate financial support in PA:
Get in touch with us to learn more about any of the aforementioned coverages, and we’ll let you know how much it will cost to have it tailored to your company.
What types of trucks do we offer coverage in Pennsylvania?
When it comes to the sorts of trucks to insure for your company, we in Pennsylvania have the requisite experience. The many truck types for which we offer coverage are listed below:
- Box trucks
- Dump trucks
- Hotshots
- Tow trucks
- Semi-trucks
- Private Carrier
- Owner Operator
Need a free consultation? Give us a call. We will be right back to you.
Why do you require Commercial Truck Insurance in Pennsylvania?
Any Pennsylvania trucking company that uses a truck for work-related purposes must have sufficient insurance. Without commercial truck insurance, your business might face monetary and legal issues. Driving without insurance might have disastrous repercussions.
There are several advantages to having the proper truck insurance in Pennsylvania, including the following:
- Covers the third-party costs (bodily injury and property damage).
- Covers all of your property damage and personal injuries.
- Defends against any legal action brought by accident victims
- Pay all medical costs.
- Covers any freight damage to your transport.
Minimum commercial truck requirements in Pennsylvania
All commercial trucking businesses in Pennsylvania are required by law to have the following coverages, at a minimum:
- $15,000 per individual
- $30,000 for each mishap
- $5000 for property damage
These are the bare minimums; other cars must have greater limitations. Pennsylvania also mandates healthcare benefits protection to cover injured policyholders’ medical costs in the case of an accident.
Interstate transporters from PA must also fulfill minimal federal criteria in order to acquire their permission for operations, in supplementary to these coverages. Federal regulations for commercial trucking insurance are governed by the FMCSA. Based on the dimensions of the truck and the load, the FMCSA establishes restrictions.
What is the cost of commercial truck insurance in Pennsylvania?
All trucks in Pennsylvania are required to carry average truck insurance of $1175 per month, whether they are being utilized for personal or professional purposes. The typical cost of commercial truck insurance for a one-truck operation operated by a trucker with a clean driving history is as follows:
- $620 per month for trucking primary liability
- $175 per month for cargo truck insurance
- $330 per month for trucking physical damage
- $50 per month for bobtail insurance
These price projections are based on drivers that operate one truck and require liability, type of cargo, bobtail, and physical damage insurance.
The cost is affected by a number of factors, including
- Type of cargo you are transporting
- Your previous insurance claims
- Length of time you have been in operation
- Amount of risk because risk varies from business to business
- Truck model and weight
- Type of coverage you choose
These are the primary factors that we will take into account when calculating your cost, while other factors may also have an impact on your insurance prices.
Read more on Pennsylvania commercial truck insurance costs here!
Example Pennsylvania Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Pennsylvania insurance cost and premium. See below for a more thorough list of factors that can influence your truck insurance premium.
|
Limit of Liability
|
$300,000
|
$500,000
|
$750,000
|
$1,000,000
|
|---|---|---|---|---|
|
Dump Truck
|
$10,200
|
$11,200
|
$12,200
|
$13,200
|
|
Box Truck
|
$10,200
|
$11,200
|
$12,200
|
$13,200
|
|
Tow Truck
|
$10,200
|
$11,200
|
$12,200
|
$13,200
|
|
Tractor Trailer
|
$10,200
|
$11,200
|
$12,200
|
$13,200
|
Safety Programs: Introduce safety programs within your trucking business to mitigate the risk of accidents. Pennsylvania insurers often offer discounts for businesses with robust safety measures.
Driver Training: Ensure your drivers undergo regular training to enhance their skills and safety awareness. Well-trained drivers in Pennsylvania may qualify for reduced insurance premiums.
Maintain a Good Driving Record: Maintain clean driving records for both your business and individual drivers to potentially lower insurance costs. Minimize accidents and traffic violations to maintain a favorable insurance profile.
Choose Higher Deductibles: Opt for higher deductibles to potentially lower premium costs, but carefully consider the financial impact on your business in case of a claim.
Safety Features: Outfit your Pennsylvania commercial trucks with safety features like GPS tracking, anti-theft devices, and collision avoidance systems. Insurers in Pennsylvania often offer discounts for vehicles equipped with advanced safety technology.
Fleet Management: Implement efficient fleet management practices, including regular maintenance, inspections, and meticulous record-keeping. A well-maintained fleet can lead to reduced insurance expenses.
Review Coverage Needs: Periodically evaluate your coverage requirements and adjust them based on changes in your business operations. Avoid over or under-insuring your trucks to optimize costs.
Bundle Policies: Explore bundling different insurance policies with providers in Pennsylvania, as this may result in discounts on overall insurance expenses.
Increase Security: Enhance the security of your trucks by implementing measures such as secure parking, surveillance, and cargo protection. A secure operation may qualify for lower insurance rates.
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