As a commercial truck driver in California you’re probably used to traffic congestion that would probably shock drivers anywhere else in the country (but not you). Shock value aside, there is still something stressful about operating your vehicle in the congested parking lot that is the 405 knowing that at any moment your career could come to a crashing halt in an instant. A quality commercial truck insurance policy will help you avoid the financial repercussions associated with an accident, but such a policy might seem unnecessarily expensive. For that reason, quite a few contractors have opted for cheaper policies that provide inadequate coverage. Listed below are three ways for you to identify whether or not cheap truck insurance California is too good to be true.
I used to take the bus from Buffalo to Boston quite a bit. It is a pretty long ride (11.5 to 12 hours) but there were always very interesting people with very interesting stories that made the ride a little bit more enjoyable. My most interesting conversation lasted almost the full 12 hours and involved a girl, in her mid-20’s, who was traveling to Maine to go back to carpentry school. She was a little quirky; had mismatched glasses, multi-colored hair and a demeanor that may have driven others away.
What’s the difference between commercial auto insurance and personal auto insurance? I’ll give you a hint, it doesn’t have to do with the name you register it under. But, plenty of people will make that mistake and find themselves in trouble because they now lack the proper coverage. Making sure you are properly covered is one our specialties and we’ll come up with an auto insurance plan that will work best for you and your business. That’s why we’ve provided a breakdown of both personal auto insurance and commercial auto insurance below so that you no longer have to worry about whether or not you have the proper plan.
What is personal auto insurance?
It’s exactly what it sounds like. Personal auto insurance packages are designed to cover the operation of your own vehicle (and can also cover your liability when driving a car you do not own). Your own vehicle is used for your own use (i.e. driving to and from work, on road trips, to the grocery store, etc.) We highly recommend that you have some kind of personal auto insurance if you plan on driving. If you don’t have it and get into an accident with a friend’s car you could find yourself paying quite a bit in damages.
What is commercial auto insurance?
Commercial auto insurance is designed to cover both vehicles and people who drive for a living. The insurance package covers everyone from the pizza delivery guy to the tech support van your IT company may own and protects you and your business from financial responsibility in the aftermath of an auto accident. Since commercial auto insurance covers such a wide range of businesses and business needs we strongly suggest that you at least consult an insurance professional before you purchase an insurance package.
As you may already know, trucks and equipment are key essentials for contractors. Last blog post we spoke about full sized trucks for your newly formed fleet of business vehicles. Today we will shed some light onto the compact truck scene, for those of you who don’t need a monster of a gas guzzler. Our top picks for compact trucks will satisfy your needs and keep your business running smooth. Just be sure not to forget to protect yourself with commercial auto and truck insurance.
We’ve already established that you want a smaller, affordable work truck so our first suggestion for a compact truck would be the Nissan Frontier. It’s a well-established street/highway vehicle for long commutes and delivery but beefed up enough to handle hauling, towing, and off road trails. There are also a number of options to choose from such as a basic 4 cylinder version, V6 or Off Road Pro-4X. One thing is certain, this little guy is well suited for any given situation.
Our runner up in the compact truck landscape with respect to contractor vehicles is the Toyota Tacoma. This option would be great for anyone who has modest towing needs and needs to haul dirty supplies. Choose from 4 or 6 cylinder options. The Tacoma has similar bed sizes to the Frontier but the similarity stops there. The Tacoma’s focus is on drive-ability, sporting a smooth drive and comfy cabin configuration. All of its models except for the X-Runner are available in four wheel drive. Depending on what your needs are in short, the Frontier is more down and dirty in comparison to the Tacoma, which might be useful as a secondary vehicle for the family.
Whichever vehicle you decide will work for your contracting business, make sure you have the proper insurance plan in place. This way, regardless of the situation, you will be covered in the event of an accident.
You’ve finally decided to get into the business of contracting and you want to be the best around huh? Well if you’ve got this this objective in mind then you’re going to need to get some trucks and equipment. Luckily for you, there are many options to choose from. Keep in mind that trucks come in very different shapes and sizes. Gas consumption and towing capacity might be very important to some, while comfort and cabin size might be preferred by others. Don’t get too concerned with the minor details because at the end of the day, your trucks and equipment are there to do work. Their value is only in their ability to provide utility and use for the contracting company.
Full-Sized or Compact Truck?
The First big decision you must make is whether you would prefer a full sized or a compact truck. Understand that you will be spending many hours in your truck commuting and transporting so this decision is key. If you decide to go with a bigger work truck there are three particular models we would recommend.
The Dodge Ram 1500 sports strong powertrain, smooth ride, and a well-trimmed cabin. This is our number one pick. It’s V8 Hemi and 5-ton towing capacity make it the ultimate contractors dream. Its roomier interior coupled with Bluetooth and storage space make it the king of “Big Guys”.
The Ford F-150 is second in our lineup. With 10 trim levels to choose from, three bed styles, and various engine options, it’s easy to see how this beast of a truck can be tailored to any contractor’s needs. Choose between V6 and V8 depending on your need for gas efficiency or brute strength. Additionally Ford’s Sync Technology allow multiple devices to be connected via Bluetooth.
The last pick on our list is the Chevy Silverado. It might struggle a bit behind the competition in terms of design but it still provides a good combination of in cabin storage, towing capacity, and a smooth ride. The benefit of this vehicle over the others is that it’s the only truck that offers the safety and convenience of OnStar, so go ahead and reassure your loved ones.
Once you purchase your work vehicle, and made your investment, you are going to want to protect yourself with the proper insurance. Commercial auto and truck insurance is something you will need if you intend to be in the contractor business long term.