Tennessee Commercial Truck Insurance
Finding the appropriate commercial truck insurance might be difficult. For 20+ years, NITIC has been providing excellent and first-rate commercial truck insurance solutions to numerous Americans in Tennessee. You can count on us to take care of all your needs for affordable truck insurance. Our experts will assist you with fulfilling your insurance responsibilities at every level, including renewals.
Choose the right truck insurance plan for your business needs!
In any event, if your trucking company is headquartered in Tennessee and you depend on a truck or a fleet of trucks to run a business, you probably require commercial truck insurance. To get the finest coverage plan, you must first determine what your organization needs. Talk to one of our Tennesse truck insurance agents, and we’ll help you decide what’s best for you.
What do we offer?
We are known for our flexible coverage options, exclusive deals, and first-rate services. You won’t turn back after you’ve trusted us with your transportation requirements. All around the United States, we have a sizable customer base. To help our customers have their claims processed as quickly as possible, we offer specialized coverage for all sorts of trucks as well as a round-the-clock live customer support system.
Useless pitching is not our thing. We promise that if you give us your business, you will return to us in the future for further services.
Areas we cover in Tennessee
We provide coverage for all Tennessee cities, including the following when it comes to commercial truck insurance:
- Nashville-Davidson
- Memphis
- Knoxville
- Chattanooga
- Clarksville
- Murfreesboro
- Franklin
- Johnson City
- Jackson
- Hendersonville
- Bartlett
- Kingsport
- Smyrna
- Spring Hill
- Collierville
- Cleveland
- Gallatin
- Brentwood
- Columbia
- Germantown
- Lebanon
- Mount Juliet
- La Vergne
- Cookeville
- Maryville
- Oak Ridge
- Morristown
- Bristol
- Farragut
- Shelbyville
- East Ridge
- Tullahoma
- Springfield
- Sevierville
- Goodlettsville
- and surrounding towns and cities
Customers in these Tennessee 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 Tennessee
Every state in the United States mandates that truck owners and operators get third-party truck insurance to protect them from accidents that can cause both property damage and bodily harm. You need enough commercial truck insurance to safeguard your Tennessee trucking business against unforeseen occurrences like accidents, vandalism, natural disasters, and others.
Through NITIC, you will get the following coverages that will help you run your trucking company successfully and offer first-rate financial support in Tennessee:
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 Tennessee?
When it comes to the sorts of trucks to insure for your company, we in Tennessee 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 Tennessee?
The risks and costs associated with truck accidents and other incidents in Tennessee can be managed by many professional drivers and trucking company owners with the aid of commercial truck insurance. You need enough truck insurance coverage for your protection whether you are operating for hire or on your own.
There are several advantages to having proper truck insurance, 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 insurance requirements in Tennessee
Tennessee mandates that new businesses and local truck drivers have a minimum level of insurance. The quantity and varieties you require depend on the kind of freight you transport and the location you transport it. If your vehicle is above 35,000 GVW and you don’t traverse state boundaries, you need to obtain a TDSCN (Tennessee Department of Safety Certificate Number) and buy a certain level of insurance.
Depending on what is transported, the minimums in Tennessee are:
- For hazmat, you will be requiring $5 million of liability insurance.
- For oil, you will be requiring $1 million of liability insurance.
- For general freight, you will be requiring $750,000 of liability insurance.
- For household goods, you will be requiring $300,00 of liability insurance.
- For cargo, you will be requiring $5000 per truck.
Any truck that traverses state boundaries must adhere to the rules established by the FMCSA.
What is the cost of commercial truck insurance in Tennessee?
All trucks in Tennessee are required to carry average commercial truck insurance of $1126 per month. The average cost of commercial truck insurance for a one-truck operation operated by a trucker with a clean driving history is as follows:
- $926 per month for trucking primary liability
- $74 per month for cargo truck insurance
- $100 per month for trucking physical damage
- $26 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
Example Tennessee Commercial Truck Insurance Cost Estimate
The below scenario assumes a clean driving record. Your personal driving history will affect your Tennessee 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
|
$12,000
|
$13,200
|
GET YOUR CUSTOM FREE QUOTE
Sheri is the best customer service rep around. Very pleasant and very informative.
4.7/5
TESTIMONIALS
