Frequently Asked Questions

Here are some answers to some commonly asked commercial truck insurance questions.

With 1st Guard® you deal directly with your insurance company. There’s no agent or middleman taking a cut of your premium. As a result we can offer you very competitive rates. Plus if you have a claim you will deal directly with our in-house licensed truck insurance adjusters. Our people do nothing but work on truck claims all day long. They’re experts at getting you back on the road fast. More than that, when you call 1st Guard® real people still answer the phone. You won’t have to navigate through ten menu items to speak with someone. Plus if you need something after hours you can always manage your account online 24/7.

You bet! Check out the Features page.

Almost never! Not only will you pay a higher premium, but you will most likely pay interest charges as well. Furthermore, the salesman usually earns an additional commission for packaging insurance with your note. Before committing to this type of arrangement, call 1st Guard® or visit us on the internet for a quote – you’ll be surprised how much you can save when you buy your truck insurance direct!

Look no further! 1st Guard® can insure equipment up to $300,000 in value. Only a handful of tractor and tractor trailer combinations would exceed this limit. In most cases 1st Guard® can accommodate the high value truck insurance needs of leased owner operators.

Generally no. Many trucking companies offer an insurance program that is deducted from your settlement for convenience. Most of the time you are able to buy your own truck insurance. Check with your company first. Then receive an online instant quote or call us and see just how much you can save.

Lienholders/finance companies want proof of your physical damage truck insurance coverage. Just give us a call and we’ll handle this for you. Alternatively you can download proof of your physical damage truck insurance coverage on-line and fax or email it to anyone you wish.

Usually yes, and better yet, your rate should not change. However, circumstances differ that may affect your policy premium. Please remember that it is extremely important that you notify us any time you change companies.

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