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Monday, July 03 2017
What to Expect When Purchasing Your Trucking Insurance

It's not a secret that insurance is an expensive, but necessary, purchase. Insurance protects the most important component in a trucking business,  the truck. Purchasing insurance can overwhelm people, especially those new to trucking.

We at Harmony Insurance Agency work with truck drivers to protect their most valuable asset. That is to say, we understand the potential headache involved with calling an insurance agency. 

It is important to understand an insurance agent is not just an annual call you make when it is time to renew your policy.  An insurance agent is a partner. Here at Harmony Insurance Agency, we communicate with some of our clients on a weekly basis. It's your insurance agent's job to provide you with certificates, customer services, and advice. If you feel an insurance agent ignores you or brushes you off, then he or she may not be the right partner for your business.

1. An insurance agent will ask several questions.
Each question is for a reason. Most of the time we are fishing for potential discounts. We want you to have the lowest premium possible. Not only that, but as a potential partner we care about you and your business.

2. Turnaround time varies.
Insurance agents are in the business of finding you the best possible quote at the lowest price. It takes time to contact insurance companies, compare quotes, and problem solve. When you hear from our office, you can expect to have a great quote. You can contact the insurance agent while they're collecting quotes to hear the prices.

3. Insurance agents don't set the price.
Rates are calculated by various state governments and insurance companies, not insurance agents. We are searching for the lowest quote possible just like you.

4. We will always recommend physical damage.
Physical damage covers your truck in the event it needs repairs.  Collision, as its name implies, covers the repairs to a truck in the event of an accident. On the other hand, comprehensive covers the repairs to a truck in the event it is damaged by something other than collision with a vehicle or object, or if it is stolen.

5. If you don't understand something--ask!
We aren't born with a basic understanding of insurance. To become an insurance agent, we have to take a very long exam covering more information than we'll ever use. We've studied insurance for you. If we mention a coverage that you don't recognize, ask what it covers and why you need it. You might be surprised what you learn.

When you're ready to get insurance quotes, consider contacting Harmony Insurance Agency.

Posted by: Sheri Berthel AT 03:22 pm   |  Permalink   |  Email

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