If you’re an owner-operator or a truck driver working under a carrier’s authority, you may have heard about non-trucking insurance. This type of insurance, also known as bobtail insurance, covers you when you’re driving your truck for personal use or when not under dispatch. But how much does non-trucking insurance cost, and what should you know before purchasing it? In this post, we break down the key details.
What Factors Impact the Cost of Non-Trucking Insurance?
The cost of non-trucking insurance depends on several factors, including:
- Driving History: Your personal driving record plays a significant role in determining the cost. Clean driving records tend to receive lower premiums, while accidents or traffic violations can increase the price.
- Type of Truck: The size and type of truck you drive also impact the premium. Larger or specialized trucks may come with higher insurance rates.
- Location: Where you live and operate your truck is another important factor. Some states have higher insurance rates due to varying regulations or risks.
- Usage Patterns: How often and for what purposes you use the truck outside of business activities can also influence the price of your non-trucking insurance.
How Much Does Non-Trucking Insurance Typically Cost?
While exact rates vary, most non-trucking insurance policies range between $30 to $50 per month. However, this can fluctuate based on the factors mentioned above. Some drivers may see premiums lower than $30 per month, while others with higher risks may pay more.
To find out exactly how much non-trucking insurance will cost you, it’s best to get an instant online quote tailored to your specific needs.
What Does Non-Trucking Insurance Cover?
Non-trucking insurance is designed to cover you when you’re using your truck for non-business purposes. This may include:
- Personal errands
- Driving to and from a repair shop
- Any time you’re off-duty and not under dispatch
However, it’s important to note that non-trucking insurance does not cover damages or liabilities that occur when the truck is being used for business purposes, like hauling goods or when under dispatch.
Why Choose Diamondback Insurance for Non-Trucking Insurance?
At Diamondback Insurance, we make it easy to get the coverage you need with instant online quotes, instant online binding, and instant online insurance proposals. Whether you’re looking for a comprehensive plan or just need non-trucking insurance, we streamline the process so you can be covered fast without the hassle.
Conclusion
Non-trucking insurance is an essential coverage option for owner-operators or truckers who need protection during personal use of their vehicle. Understanding the cost factors and coverage specifics will help you make the best choice for your needs.
For an instant trucking insurance quote, visit: https://diamondbackins.com/trucking-insurance-instant-online-quote/
