Car Insurance for OTR drivers

All the car insurance I've ever had has asked how many miles I drive per day, in my personal vehicle.... Even when I was OTR that low mileage number didn't really make that big of a difference in my rate. Things may have changed by now but I wouldn't know as I've been local for over a decade now. One of my agents told me a few years ago that what kind of vehicle you're insuring, where you live, how much coverage you want, how much is owed on said vehicle, and your driving record have far more impact upon how much your rates are than how much you drive it. It kind of makes sense to me as no insurance company I know of actually checks your odometer on a yearly basis to know how much you're actually driving.

 

I got my car license when I was 16 then got my CDL at 19. Never really took any training for any of the licenses but I have them and have been a safe driver since. Every year I shop around for insurance and am still asked if I took driver ed training when I was 16 to get my car license, I say no. Because I didn't take training 10 years ago, my insurance ratings are slightly pricier. It doesn't matter that I can legally and safely drive 140,000 lbs down the highway though!!! Pain in the rear end them insurance companies!!

 

Brianne if you served in the military and received an honorable discharge then you may be eligible for a deal from USAA. They have really good rates and are a veterans and eligible family members organization....here is the web address..www.usaa.com/Auto

 

There are ways you can insure a car as in storage. You pay a much smaller amount each month and then when you are going to drive it you call and upgrade the coverage. There are limits to how many times per year you can put it in and out of storage though, so you may want to call your insurance company.

 

If you are covered by a policy In the truck it will greatly lower your auto insurance rates with a lot of carriers. It cut my new policy with progressive down by over 140$ a month just by saying I have fleet insurance and sending them the insurance card.

 

Absolutely, but it doesn't have anything to do with having a CDL. Call an agent other than yours and get a quote, then call your agent. Your insurer may not offer it or require that you've been a client x years.

NEVER call your insurer first to ask a question. Those call are logged, because many, many people sustain damage, then inquire about their coverage, then never file a claim. The insurer may raise their rates anyway, based on the assumption that if they hadn't sustained damage they would not have called their agent. Yes, your rates may increase for any call to your agent, including to wish them Happy Birthday.

 

Yes I called my agent years ago and it saved me several hundred a year on my vehicle insurance.