truck insurance premium

Truck Inspections – How to Improve Your Scores

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Annual DOT truck inspections may be stress-worthy, but here is a list of ideas to help you get off on the right foot with your inspectors.

First Impressions

The attitude and habits of the driver are the first thing the inspectors will notice as they begin their job. Having a polite and cooperative demeanor will go a long way, as well as tidy habits inside your cab. A messy, dirty cab will make for a bad start to your inspection, but a clean and orderly space with documents neatly in order, will go a long way to making that first impression a good one. The state of your cab will definitely reflect on the other parts of your truck, and having your documents clear and in order will make the rest of your inspection go much more smoothly.


Here is a list of just some of the documents you will be required to show your inspector:

  • Liability coverage
  • MCS-90 or MCS-82 form counter signed by your insurance provider
  • Accident register
  • Employee training records

You will also need to have the vehicle markings in their prominent places. This includes the carrier’s legal name and the DOT assigned number, clearly appearing on both sides of every commercial vehicle.


Each driver must have a commercial driver’s license (CDL) and endorsements in line with their vehicle class. Carriers need to have proof of drug and alcohol tests for each of their employees. This includes pre-employment, post-accident, and random drug and alcohol testing.

It is the carrier’s responsibility to make sure to have complete records for each driver, recording daily start and stop times, on duty hours, etc.


Here are a few things that can tend to be overlooked before your inspection, yet are easy to double check: 

Your seat belts will need to be in good working order. A quick look to check the condition of the driver’s and passenger’s belts is well worth your time. 

An emergency kit, well stocked with spare fuses and circuit breakers, warning hazard triangles and fire extinguisher should be in place. Check the condition of all the parts of your kit to be sure they are clean and functional. 

Clean or replace dirty and weathered reflectors and reflective strips. You may have checked all of your lights, but the reflectors are an important part of your vehicle’s safety features, as well.

Wheel fasteners are one of the common problems cited during inspections. Check the condition of your lug nuts as an extra precaution.

This is just a short reminder of a few things you can do to improve your results during annual DOT truck inspections. We would be glad to discuss more specific details with you to make sure you have the best chance of passing your inspection with flying colors. It is one of the major factors in getting insurance coverage and we want to help increase your chances of keeping your vehicles in service, and your business running as smoothly as possible. Give us a call!


Getting the Best Coverage with Your Trucker’s Insurance

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There are many choices you will face while making insurance plans for your trucking business. To understand what is required and what is just good sense, it’s always best to talk to your insurance agent. There are several variables depending on whether you own a fleet or if you own your own rig. Here are a few options that you will want to familiarize yourself with as you consider what kind of coverage you may need.

Requirements to protect those around you

Public liability insurance is required by the Federal Motor Carrier Safety Administration for interstate truckers. This will protect you if you are involved in any accidents where another person is hurt or someone else’s property is damaged.

The bodily injury portion of the public liability insurance will cover any medical bills that have occurred to other people who may be involved in an accident with you. Property damage, of course, covers the costs of other’s property that is damaged due to an accident.

The Federal Motor Carrier Safety Administration requires different minimum coverage depending on your cargo. You will need to find the minimum requirements that are affected by the cargo you are carrying. Hazardous materials and oil will need a higher minimum, for example, where non-hazardous cargos will have a lower minimum requirement.

Will you be bobtailing?

As long as you are hauling a trailer, this will not be a concern. However, if at any time you will be driving without a trailer, make sure that you are covered. There are several scenarios where you will need the extra bobtail insurance.

If you are hauling under someone else’s authority and drop off your trailer, this is the right choice for you. If you want to avoid lawsuits and out of pocket expenses in case of an accident that occurs while you are driving without a trailer, you will want the extra coverage from bobtail insurance.

Are you still financing your rig?

Physical Damage insurance is a requirement if you are financing your truck. Even if you own your truck outright, this is still the smart option for you.

Physical Damage insurance will cover any damage done to your tractor or trailer due to any accidents you may be involved in.

These are just some of the options available to you as a trucker. We have the knowledge and experience to help you choose the right insurance plan for you.

Check your insurance today

Hi, I’m Jack Armstrong, and I’ve been insuring big rigs for many years. Give me a call at (281) 449-0111, and I’ll make sure you are covered the right way.


18 Wheeler Insurance Rates – 10 Tips to Lower Them

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Do you know if you are paying too much for your 18 wheeler insurance coverage? Here are some tips to help keep your premium down.

Keep your rig in shape

Make sure your truck is serviced and kept in tip-top shape. By checking all of your equipment and having a certified DOT mechanic to go through everything for you regularly, you can be sure to see results. Your DOT safety record makes a difference.

Age and experience

Younger, older and less experienced drivers are typically involved in more accidents. Experienced drivers between ages 30 and 62 have the lowest risk, which lowers their premium. Regardless of your age or experience, the best way to keep your truck insurance rates low is to keep a clean record.

The road less traveled may not be your best choice

Routes matter. Consider your routes and avoid those that include possible extreme weather or highly populated metro areas if you are looking to keep your 18 wheeler rates low.

A company by any other name is not so sweet

Do your best to stay in business, not changing your name or switching things up. Newer operations are considered a higher risk, so stick with what is familiar.

Looking for a good excuse for a new truck?

Newer vehicles with the latest equipment always make the best impression. By keeping your fleet up to date, you will be keeping your rates at their lowest.

Take it easy

Slow and steady wins the race. By keeping your record clean, you will keep your truck insurance premiums from going up. The driver with past accidents tends to be the driver with future accidents, so take it easy and don’t take risks.

Your cargo matters

What you choose to carry makes a difference in the risk category. Cargo with high value has a higher risk for theft, temperature sensitive cargo can be spoiled, and there are many other factors. Keep this in mind when you chose your loads.

Safety matters

Safety features such as warning stickers really do help. Other helps could include company safety programs or driver safety training. By educating yourself and your drivers, you are lowering the risk of future accidents and higher rates.

Raising your deductible can help

You will be responsible for paying a higher deductible if there is a truck insurance claim, but it may be worth it in the long run to lower your premium.

Deal with an insurance company that has experience with 18 wheelers.

When you come to Texas Commercial Insurance, you can rest assured that you have experienced agents to back you up. Established in 1959, we are ready to help you find the best coverage whether you drive your own truck or if you have your own fleet. Contact us so we can work with you to find the best rates and the best coverage to fit your needs.