Save On Commercial Truck Insurance in Charlotte

Dump Trucks - Cement Trucks - Cargo Trucks - Moving Trucks - Fleet Vehicles - Tractors - Vans - Contractors Equipment 

Contact Charlie if you would like help finding the lowest rates for your commercial vehicle in NC/SC

Charlie Sternberg is an Independent Insurance Broker with Dexter Insurance Associates located in Charlotte, NC

 For a Quote Call 704-778-1142

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Charlie will use his knowledge and consultative approach to help you with your insurance needs. Call him today for a quick quote or more information. 

Charlie will use his knowledge and consultative approach to help you with your insurance needs. Call him today for a quick quote or more information. 

 
 

Tips to lower your dump truck Insurance costs

 

1.       Make sure your driver(s) have a CDL license that has been active for 3+ years

While this is not required to obtain insurance your rates will go down with drivers who have more experience driving larger trucks like these. Also make sure your drivers have clean driving records. Call me today for a free quote and I will run your driver’s MVR’s at no cost to you.

 

2.       Increase your deductibles to at least $1,000 on the truck

Increasing your deductibles will lower the monthly premium on your policy. If you have an older truck that does not require physical damage coverage you can eliminate this coverage and lower the cost even further. Liability coverage is the only coverage required by the state. Typical limits required are $750,000 CSL (combined single limit) or $1mm CSL

 

3.       Determine if you need federal filings

If you are not crossing state lines with your operations you may not need to file any federal filings. Federal filings will cost you extra expense on your commercial insurance policy.

You will need to file a Form E filing that will prove to the state of NC that you have sufficient insurance required by the state.

 

4.       Shop your dump truck coverage with multiple carriers

As an independent agent I am able to shop your dump truck insurance coverage with multiple companies like Liberty Mutual, Progressive, and National General. It always pays to shop your coverage with an independent agent.