Commercial Truck Insurance in Texas
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VL 17 offers comprehensive commercial truck insurance in Texas to help you get the right amount of coverage at an affordable rate.
We are a locally owned and operated specialist truck insurance agency that offers all types of coverage options, like liability coverage, trailer interchange, trucking insurance, cargo, and physical damage coverage – and more! You can find us anywhere in Texas, including Dallas/Fort Worth, Austin, San Antonio, Galveston, Sugarland, and surrounding areas.
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Your trucking insurance doesn’t need to be a complicated business that’s why our agents give you a simplified truck insurance quote. Our agents research quotes and coverage options from various truck insurance-providing companies to bring you multiple quotes that suit your needs. This helps VL 17 furnish you with the best commercial truck insurance in Texas with cost-effective premiums. Plus, we streamline the process by searching specifically for the type of policy your business requires while staying within your budget.
We offer the cheapest commercial truck insurance for all types of commercial trucks, including Semi Trucks, Hotshot, Cargo Trucks, Pick Up Trucks, Dump Trucks, Box trucks, PickUp Trucks, Auto Haulers, and many more.
Need Help With DOT Compliance?
DOT compliance refers to adhering to the regulations set by the U.S. Department of Transportation. It applies to companies involved in transportation, ensuring safe practices for commercial drivers, vehicle inspections, drug testing, and maintaining necessary licenses.
Yes, obtaining DOT compliance is mandatory for commercial trucks in the United States. Commercial truck operators and companies engaged in interstate commerce are required to comply with the regulations set forth by the Department of Transportation (DOT).
DOT drug and alcohol testing is mandatory for safety-sensitive employees, including commercial drivers. These tests aim to detect drug or alcohol use that could impair a driver's ability to operate a vehicle safely.
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Commercial Trucking Insurance
Trucking Insurance Designed For Your Fleets.
Truck Insurance that VL 17 Insurance Agency Offers
We are a locally owned and operated insurance agency. Our agents provide a comprehensive range of truck insurance coverage in the great state of Texas. With affordable insurance for both individuals and businesses, below are a few of the truck insurance that we offer:
Liability insurance covers liability risks when someone from your company drivers has an accident. This coverage includes bodily injury liability, aimed at covering the costs of any injuries, as well as medical expenses for the injured party. The coverage may also extend to any property damage liability and legal activities. Plus, it covers all necessary costs for the property damage sustained during the accident along with all expenses associated with any legal defense. Get a quote for commercial trucking insurance in Texas today!
Motor Truck Cargo Insurance:
Motor truck cargo insurance, also known as just cargo insurance, covers commodities or freight carried by a for-hire driver. It also covers cargo liabilities related to damaged or lost cargo due to collision, fire, or load striking. In cases where the load is dumped, all removal expenses for debris removal or pollutant extraction can also be covered. You can also get cover in case there are further losses with your cargo as well as any legal expenses associated with this situation or customer losses due to an undelivered cargo load. To find out more about the cheapest commercial truck insurance in Texas, contact VL 17 Insurance Agency.
Physical Damage Coverage:
The coverage against physical damage is pretty straightforward - it covers any vehicle damage, including comprehensive coverage paying against vandalism, theft, collision, or non-collision causes.
Collision coverage -
Trucking insurance that provides financial security against truck damage from physical contact with other vehicles or objects, like rocks, trees, fences, buildings, or animals.
Comprehensive coverage -
It is insurance coverage against damages done by vandalism, theft, fire, falling objects, and weather events.
Fire and theft with combined additional coverage (CAC) -
Another physical damage insurance that combines fire and theft protection for specified perils. As a result, this is also known as specified perils insurance or limited comprehensive truck insurance.
Truck trailer interchange insurance offers insurance for physical damages on trailers pulled under the trailer interchange agreement, which acts as a contract for transferring trailers from one driver to another. The agreement puts the driver, who is transporting the trailer, responsible for covering any damages that might occur while they have it in their possession. In such a situation, this commercial trucking insurance acts as physical damage insurance for any non-owned trailers, covering against damages sustained from collision, theft, fire, explosion, and vandalism.
Employer Non-Owned Auto Liability Coverage
Non-owned auto insurance will cover any auto liability damages, including attorney fees, court costs, judgments, or settlements, that are a result of an auto accident for which your company is responsible. In other words, if your business utilizes commercial vehicles, having active non-owned auto insurance is a wise investment. This truck insurance coverage protects your drivers and operators as well as you, the owner.
Cost of Trucking Insurance in Texas
We try our best to get the most affordable truck insurance rates for your company. However, some factors directly affect truck insurance premiums, some of which you can control while others can’t be helped. These include:
Texas requires at least liability ($300,000 to $500,000) for commercial trucks. Plus, you’ll have to factor in your fleet’s distance and destinations.
Your Company’s Safety Rating
A high CSA or safety rating means lower rates. By upholding high safety standards and monitoring your CSA with the Federal Motor Carrier Safety Administration, you can keep your costs down.
The Type and Value of Your Cargo
Cargo coverage requires some planning ahead of time, as the truck insurance agent will first ask you what you are hauling since higher-value goods require more commercial truck insurance than inexpensive ones. (Example: It costs more to cover computers and jewelry than clothing and food.) Nonetheless, the extra protection is well worth the cost in the long term.
Overall Driving Record
As mentioned, each employee will need to maintain a clean driving record which translates into lower rates and high overall safety ratings for your company. You can keep your insurance rates down by ensuring all drivers are properly trained and updated on traffic laws and regulations.
Age and Experience of your Drivers
Experienced drivers between the age of 25 and 60 usually incur lower insurance premiums. Regardless of age, you can still obtain reasonable rates if your drivers maintain a clean record with no moving violations or accidents.
Condition and Age of Your Trucks
Keeping your equipment up to date and in excellent shape also helps to keep trucking insurance rates low. When you have dated equipment that has mechanical issues, your rates will quickly increase. Thus, regular maintenance pays off in the long run and lower premiums.
Minimum Insurance Requirements
Hazardous substances that are transported in cargo tanks, portable tanks, or hopper-type vehicles with capacities in excess of 3,500 liquid gallons
Motor carriers based outside of the U.S.A. who transport non-hazardous cargo
Motor carriers based outside of the U.S.A who wish to do business in Texas.
For those who carry household goods with a gross weight, registered weight or gross weight rating of less than 26,000 pounds
For hire divers of school drivers who transport students of all ages to a residence or public or private educational facility
Vehicles with the capabilities to transport more than 15 but less than 26 passengers
Vehicles with the capabilities to transport more than 26 passengers
Any private or for-hire motor carrier with a gross weight registered weight, or gross weight rating of more than 25.000 pounds
Commercial Trucking Insurance
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