Freeway Insurance for Commercial Trucks Review

Freeway Insurance has been helping customers find coverage for commercial trucks for more than three decades. They are the largest privately-owned insurance distribution company in the U.S.

Freeway provides insurance options from the leading carriers and often offers exclusive discounts that customers can’t get anywhere else. Their team of helpful and friendly experts can also provide step-by-step guidance in selecting the best plan for your commercial truck or fleet.

Freeway Commercial Truck Coverage

Freeway helps customers customize their coverage to meet their needs. Policies include only the coverage you truly need – nothing more, nothing less.

The company’s insurance quotes typically include rates for the following coverages:

Liability

One of the most important types of coverage to have in your commercial truck insurance policy. Liability covers injuries and property damage caused by you or your drivers to third parties.

There are two main types of liability coverage:

• Bodily Injury: Covers the cost of injuries to others in an accident.
• Property Damage: Covers the cost of damage to other people’s property in an accident.

In many cases, fleet owners will be required to have a certain amount of liability coverage to ensure they can cover the cost of damage or injuries. Due to their large size, commercial trucks can cause significant damage.

Cargo

Commercial trucks should have cargo insurance, which provides financial protection if your cargo is damaged in transport.

Collision

Liability coverage only covers the cost of damage to other people’s vehicles or property. But what about your own commercial vehicles? Collision coverage ensures that damages to your commercial truck is covered. It will pay for the cost of repairs to your truck if it is damaged in an accident regardless of fault.

Comprehensive

If your truck is damaged in a non-collision accident – such as vandalism, theft or a fire – comprehensive will cover the cost of repairs or replacement.

Non-Trucking Liability

For-hire drivers will typically need non-trucking liability coverage. It covers liability-related costs if you cause an accident while you are not on dispatch.

Medical Payments

Accident-related injuries can result in costly medical bills. Medical payments coverage will cover the cost of these bills if you or your passengers are injured in an accident.

Rental Reimbursement with Downtime

If your truck is being repaired due to accident-related damages, this coverage will reimburse you for the cost of a rental truck or vehicle. It will also cover downtime if you are unable to rent a truck or operate your business while repairs are being made.

Underinsured And Uninsured Motorists

Unfortunately, some drivers don’t have insurance or don’t have enough insurance to cover the cost of repairs. In this case, underinsured and uninsured motorist coverage will protect you from these drivers by providing coverage for your repairs and/or medical bills in an accident.

Many states require this coverage, but even if it’s not required, it’s in your best interest to have it. An estimated 13% of motorists do not have auto insurance.

Non-owned Coverage

An additional coverage that’s nice to have, particularly for fleet owners. Non-owned coverage will cover liability if you or an employee are using a personal vehicle for business purposes.

It protects both owned and rented vehicles for this purpose, and it will cover the cost of property damage or medical bills from accident-related injuries.

Specialized Tow Truck Coverages

Freeway Insurance also provides specialized coverage for tow trucks, including:

On-Hook Towing Insurance

An optional coverage that truly is essential for two truck owners. On-hook towing will cover the cost of repairs or replacements if a non-owned vehicle is damaged while you are towing it. This includes damage from theft, collision, explosion, vandalism and fire.

Garagekeepers Legal Liability Insurance

Another optional coverage that is also worth the cost. This insurance will cover the cost of damages to a vehicle in service while it is being stored or parked in a covered location.

Types of Commercial Vehicles Covered by Commercial Auto Insurance

A variety of commercial trucks can be covered with a commercial auto insurance policy, including:

• Semi-trucks
• Box trucks
• Tow trucks
• Dump trucks
• Company vans

Commercial vehicle insurance is not limited to the type of vehicle, so virtually any type of truck can be covered.

Specialized coverages may be required for certain types of vehicles, such as dump trucks or tow trucks.

However, standard coverage can apply to any commercial vehicle.

Freeway Service Area and Office Locations

Freeway Insurance helps customers find and compare insurance policies across the U.S. They are a nationwide insurance distribution company, so they can help you find coverage no matter where you live in the U.S.

The company has offices across the country, including the following states:

How to Get Started

To get an insurance quote through Freeway, you will need the following information:

• Your current commercial insurance declarations page. If you do not have this information, you can use a personal auto declarations page.
• Driver’s license numbers and histories of all covered drivers.
• The VIN numbers of all vehicles.
• A list of the safety and security features of all trucks being covered by the policy.

If you do not have all of this information, a quote can still be provided based on your estimates.

Which Insurance Companies Does Freeway Work With?

Freeway Insurance works with some of the leading insurance companies in the United States, including:

• Progressive
• Bluefire
• Gainsco
• Dairyland
• Foremost
• Assurance America
• Bristol West
• Kemper
• Infinity

Freeway Insurance agents are always available to help you find the right commercial truck insurance for your needs. You are also free to stop by their office to speak with one of their agents in person about your policy needs. Policies can be customized to meet your coverage needs, and a variety of payment options are available.

It’s easy to get a free quote through Freeway’s website. Simply provide your personal and business information to get started and find the best policy at the best price.