Florida Trucking Insurance Discounts

Are you spending thousands of dollars more per year on insurance costs than you need to? We work with independent truckers and motor carriers across Florida to save them money on premiums.

We do more than help you choose the right coverage, limits and deductibles.

Our team stays up to date on all of Florida's trucking insurance discounts that put more money in your pocket.

But before you look at lowering your policy limits or putting more risk on yourself by increasing your deductibles, we want you to go through our list of the discounts you're eligible to receive.

Note: Discounts are based on multiple factors: payment type, license, insurance and claim history, and experience.

Discounts include but are not limited to:

• Paid in Full Discount
  Pay your premiums in full and you'll receive a discount. Ask your insurance provider if they offer a discount for paying for the entire six months or year at once rather than in installments. Discounts for paying your premiums in full can be as high as 15%.
• Alternative Fuel
  Invest in an alternative fuel truck and you might receive a discount. Some insurers will provide a discount for anyone who opts for hybrid vehicles.
• (EFT) – Pay by Electronic Funds Transfer
  Checks? They're old school. Paying by debit or credit cards comes with fees as much as 3% for the insurer, which costs them money. One method of payment that offers discounts is "Pay by ETF."

ETF charges the payment directly to your checking account, which means:

• You pay fewer fees
• You spend less time sending checks

Automatic payment options may also reward you with a discount on your premiums. Insurers prefer easy payments, so ask your insurer if they offer ETF discounts.

• Homeowner Discounts
  Are you a homeowner? If so, Florida residents who own their own home may be able to take advantage of our discount options. Speak to a representative to discuss whether any homeowner discounts are available.
• Package Discount
  Bundle and save is a term that you've heard before. But did you know that you can follow a similar approach to your insurance policies? If you package your trucking insurance with other coverage options, such as trailer interchange insurance, you can save money on your insurance.

Fleet owners often combine their Business Owners Policy with trucking coverage to reduce their premiums by as much as 5%.

• Prior Insurance Savings
  Loyal policyholders deserve a discount. We reward policyholders who stay with us over the long term with discounts. If you stay with us, we find ways to save you money - period.
• Business Experience Discount
  Truckers and/or motor carriers who have been in the business for more than three years may qualify for up to 4% off their premiums. We want to be part of your success story, which starts with lowering your costs and increasing your cash flow through strategic savings.

You will need to have at least three years of coverage under the following policies to qualify:

• Business auto, or
• Commercial truck, or
• Commercial tow

• (CDL) Commercial Driver's License Discount
  CDL drivers undergo strict training to be some of the best drivers on the road. If you're a CDL driver, you can receive up to a 2% discount on your premiums. We often find non-CDL drivers who are still hauling goods overlook this discount when they do receive their CDL.

It's an easy way to save money on your premiums.

• Deductibles Increases
  We recommend increasing your deductibles as a last resort because you do have to pay more if you're in an accident. If you're considering a deductible increase as a way to save money on premiums, be sure to speak to one of our agents. We'll discuss the risks and rewards of this option with you.

Insurance protects you and your livelihood when you're hauling goods. Plans and coverage requirements change all the time, but our team stays on top of these changes for you. Our agents will:

• Routinely find ways to help you save money on premiums
• Find discounts that keep your premium costs down

We do what's right for our policyholders, which means maximizing their coverage options while reducing their costs.

As your business grows or you spend more years in the industry, you can rely on us to be your cost-saving partner.

If you think you're paying too much for your insurance or want to see if you qualify for additional discounts, contact us today.