If you own a trucking company or other business that uses commercial drivers, then fleet safety insurance is an absolute must. Fleet safety insurance companies base insurance rates on several factors, including the risk your drivers pose when they get on the road. Fleet insurance premiums are a major part of the operating budget for any company that runs fleet vehicles, whether you deliver packages across town or across the country.

To receive reasonable fleet insurance quotes and keep truck fleet insurance rates affordable, implement a concise risk management program that tells fleet safety insurance providers that you are committed to keeping not only your drivers safe, but also other motorists. If you are looking for ways to control fleet expenses, there are three key things you can do:

1. Have drivers complete corporate fleet driver safety courses.

2. Analyze fleet usage and accident patterns to improve fleet management.

3. Compare fleet insurance quotes from different fleet insurers.

Action Steps
The best contacts and resources to help you get it done

Get affordable fleet insurance rates by having properly trained drivers

Having an effective risk management program will get you a discount on truck fleet insurance premiums. These practices include making sure drivers are properly trained and checking driving history and accident reports for all prospective drivers. Also, have all of your drivers participate in noted driver safety courses. For one, these courses will help you have better drivers and for another, many insurance companies offer discounts for participation.

I recommend: DRIVE SAFELY offers several corporate driver-training courses that, if taken, will decrease your fleet insurance rates by preventing accidents and lowering the number of traffic violations received by your drivers. TrafficSchool.com offers online corporate driving courses, which also lowers your business fleet insurance premium. Obtain a quote at Progressive Commercial. They offer up to 15% discounts on premiums for drivers who have clean records or who have their CDL.

Compare quotes from several different fleet safety insurance companies

Shopping for truck fleet insurance is like shopping for a car--you never want to go with the first offer you receive. Fleet safety insurance providers base their fleet rates on a number of factors, including the driving history of your drivers and the number of accidents in which your drivers have been involved.

I recommend: Gibson Insurance Group offers fleet safety insurance coverage to ensure the safety, compliance and maintenance of your business automobiles. Tricor offers quick, online fleet insurance quotes.

Purchase other services to help lower your fleet insurance premiums

Finding an affordable fleet insurance rate is only one aspect of protecting your business fleet. It's a wise investment to purchase other services that monitor your fleet, as these services help you obtain and retain an even better fleet insurance coverage rate. By spending the money upfront to maintain an experienced and safe fleet, you save money in the long run in the form of less accidents, lower fleet insurance premiums and lower risk of loss. These fleet management processes work hand-in-hand with maintaining consistent and affordably priced insurance premiums.

I recommend: Safety Alert provides businesses with monitoring and reporting services for your drivers covered by truck fleet safety insurance. Fleet Response provides businesses with a range of fleet management services, including consultation to help you lower your fleet insurance coverage rates by identifying your company trends in accident and traffic violations and devising best practices to address identified issues

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Fleet safety insurance companies will not renew your policy for excessive accidents and traffic violations, so be sure to regularly monitor fleet driver accident and violation reports to maintain a good record.