Trucking Insurance Cost Optimization

Commercial trucking insurance runs $8k–$15k+ per truck per year. Structured risk management (safety scoring, loss control, deductible strategy) can cut 15–30% off premiums.

CSA Score Impact

BASICs (Unsafe Driving, HOS, Vehicle Maintenance) directly drive premium. A 10-point BASIC reduction can save 5–10% at renewal.

Deductible Strategy

Higher physical damage deductibles ($5k–$10k) can meaningfully reduce premium. Only for cash-strong fleets.

Loss Runs

Get 5-year loss runs from every previous carrier. Present clean loss runs at every renewal quote.

Cargo Coverage

Match cargo limits to actual load values, not blanket high limits. Excess cargo above $100k costs disproportionately.