In my career as a short haul trucking insurance specialist I have never talked to a trucker who did not want to save money on their insurance. Never even once. But despite this I have had many short haul truckers through the years not want to give me one critical piece of information that I absolutely must have to save you money on your trucking insurance:
How much are you paying now?
Did you know by answering this simple question it may help your short haul trucking insurance agent more than anything to get you the best rate? I want to dispel some of the myths out there about not answering this question:
- If I tell you what I am paying you will just try to match it: This is probably the most common response but it is completely wrong. When your short haul trucking insurance agent contacts the insurance companies to get quotes for you without fail the insurance company will ask what you are paying currently. The reason is that the insurance company wants to make sure they are going to be competitive before they invest time in trying to win your business. By knowing what you are paying for your insurance currently the insurance companies and your short haul agent will know if we can help or not. In short it saves you time and us time.
- That is none of your business: Here is a good way to find out if you are truly working with a short haul trucking insurance specialist.
#1: They ask you early on what you are paying
#2: If you say “it is none of your business” a quality short haul trucking specialist will tell you that they can’t help you and that they are closing the file.
If the agent you are talking to is willing to work on your account without knowing what you are paying, honestly, they are not a short haul trucking insurance expert. The reason is there is no possible way to get you the best quote without this information.
The Bottom Line
The most sure fire way to guarantee that you will pay too much for your short haul trucking insurance is to not provide your current premium amount. When a trucking insurance agent asks you this question they are trying to help you. By understanding this simple truth you will save money and help insure that you have a real short haul trucking insurance expert on your side.