Bobtail Insurance vs Non Trucking Liability Insurance: Quotes & Guide

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Bobtail Insurance VS Non-Trucking Liability Insurance: Introduction

While insurance is a protection from financial loss and a type of risk management that is used to refrain from unwanted or uncertain losses, there are different types of insurance that you can find information about on this site, such as life, health, long-term disability, home insurance, and auto insurance. Here we will cover bobtail insurance, help you get cheap bobtail insurance quotes and examine the differences between commercial truck bobtail insurance and non trucking liability insurance, which are often thought to be the same thing and are not.

Bobtail Insurance 

Bobtail truck insurance is a liability only insurance that provides coverage for driving trucks without a trailer for business. It can be a semi truck bobtail insurance or a full truck bobtail insurance coverage. Bobtail insurance policy is activated when you go through an accident as you drive a truck without a trailer on someone else's trucking authority, for business matters.

Bobtail insurance policy is essential because car insurance companies or trucker's liability insurance do not protect this. You want to protect from unwanted lawsuits and high expenses caused by unexpected accidents, and the motor carrier requires the driver to carry the coverage.

Bobtail Insurance Cost

Bobtail truck insurance cost is normally in the range of $19 to $49 per month on average.

Non-Trucking Liability Insurance

Non trucking liability insurance is a liability insurance coverage for your commercial truck, for occasions in which it is used for personal matters, such as personal errands. When you are not driving your truck for commercial purposes, you are not covered by your commercial auto insurance policy or truckers liability insurance. 

Non-trucking liability insurance covers financial loss that may be caused by damages to third parties, be it an individual or a business. But non trucking insurance coverage is only applicable when driving for personal matters rather than commercial purposes.

There are limits to a non-trucking liability policy. These limits allow the insurance carrier to pay for the excess amount of damage expenses once the policy has reached its maximum limit. It includes medical expenses and any auto repair costs involved.

Non-Trucking Liability Insurance Cost

Non-trucking liability insurance cost is $29 to $49 per month on average. 

By clicking 'get quotes' at the top of this page, you can compare non-trucking liability insurance quotes as well as cheap bobtail insurance quote that will best fit your needs from top business insurers and have your back covered from commercial uncertainties.

Bobtail and Physical Damage Insurance

Having bobtail physical damage insurance will provide you a complete coverage not only for property damage, but also for any physical damage. Combining both a bobtail policy and physical damage insurance can also help pay the damage caused to another person by your truck. You could be spending thousands of dollars in the event of a faultless accident without auto repair expenses. This helps you so that you do not have to deal with insane damage costs if an accident occurs. 

Physical damage is a term used for specific commercial auto insurance coverages that will protect your vehicle with collision, comprehensive insurance, and events like fire or robbery with combined additional coverage. 

Physical damage and bobtail insurance are essential because you will not have coverage for a non-commercial purpose without it whenever you use your truck without a trailer. Days off are as critical as your working days, and your truck should be well covered regardless of the day.

Trucking Liability Insurance

Trucking Liability Insurance does not cover your own vehicle's damages. It does not protect you in case of fire, burglary, vandalism and other events that involve your truck. Even your trailer or freight damages will not be covered.

Trucking Liability Insurance generally applies a "scheduled vehicle" approach. It means that each truck that is operated under your authority should be scheduled or listed on the insurance policy for a specific time frame. If your vehicle is not on schedule, then the insurance company will not provide any coverage for your vehicle.

How Much Does Bobtail Insurance Cost?

Different factors would affect the cost of bobtail liability. The insurance providers analyze driving history, requested limits, and the extent of trailer-less use during the contracting process. Depending on these variables, it usually costs between $19 and $49. 

Other considerations that can influence the bobtail insurance cost include the history of claims, business age, number of trucks you own and operate, how many staff and driving histories you have, if you are new to the industry and what your yearly revenues are. All these considerations either increase or decrease your bobtail liability coverage quotes.

Is Owner-Operator Bobtail Insurance Important?

Owner-operator bobtail insurance is essential, and it is advisable to consult with your carrier the leasing agreement to determine the type of coverage you should maintain. Remember to understand bobtail liability and make sure to get the right commercial bobtail liability insurance to avoid unexpected damage costs coming out of your own pocket.

Bobtail and Deadhead Insurance

Deadhead insurance is much like bobtailing in a way, since with both bobtail insurance and deadhead insurance the cargo has been delivered to its destination. 

However, with deadhead, the trailer is still on, only empty from any cargo. 

Most large businesses own their trailers and therefore have a deadhead coverage.

Independent owner operators, however, that are also the trailer owners, should definitely take deadhead insurance coverage in to consideration.

Best Bobtail Insurance Companies

There are many bobtail insurance companies that can provide you with top-quality service proven by their excellent reviews from policyholders. You can compare bobtail insurance quotes from our selected best bobtail insurance companies and other top insurers by clicking 'get quotes' at the top of this page and find one that best fits your needs and find commercial bobtail insurance near me.

OOIDA Bobtail Insurance

There are different forms of truck insurance coverage, and OOIDA has them. The forms of insurance offered by the Company include primary liability, general commercial liability, cargo for motor vehicles, accident coverage, coverage of physical damages, and there are various optional insurance forms for commercial insurers, which have physical damages insurance.

There are several truck insurance choices, and the OOIDA officers and staff are very familiar with their jobs. Their knowledge about trucking companies makes many drivers more comfortable, trusting OOIDA. You can avail of competitive rates on policies that suit your needs, and there are flexibilities with a vast number of commercial truck insurance options.

Some brokers do not work with OOIDA, as the truck insurance is not listed as AAA. It means you have less access to loads, and for certain people, they do not find this very beneficial for them. Regardless, OOIDA has a very satisfactory rating of 4.1/5 and has gained its trust for commercial insurance plans.

Progressive Bobtail Insurance

Progressive bobtail insurance offers various protections, including motor truck cargo, total liability for motor trucks, non-trucking insurance, downtime rental reimbursements, trailer interchange, etc. There are also over 30 different commercial truck insurance policies to ensure that you are most satisfied.

There are several benefits of progressive insurance. There are numerous discounts, the types of vehicles insured vary in every state, and the Company provides other kinds of insurance outside of the basics. You can also change your premium deductible so that your coverage package is even more flexible.

Sadly, some states do not offer specific discounts in other states. The Company protects no double-decker bus, emergency vehicle, military vehicle, non-licensed road vehicle, and monster trucks. There are also several different types of commercial vehicles that are not covered.

Progressive is a well-established business that is fantastic at pleasing customers. It is one reason why it is the best bobtail insurance company—proven by its overall satisfaction rating of 5/5.

State Farm Bobtail Insurance

State Farm Bobtail Insurance earned an overall 4.5 stars out of 5. The Company is commended for its bobtail policy pricing and discounts, smoothness of every transaction, ease of filing claims, website transparency, and financial strength. State farm bobtail insurance offers accident-free deals, driver's safety course discounts, vehicle safety discounts, etc. 

There are pros for availing state farm bobtail insurance, such as the numerous discounts for different programs such as safe driving. They give great rental and travel expenses coverage and are among the highest-rated insurance companies by J.D. Power. However, there are average ratings for car insurance and insurance claims from the customers.

Bobtail Insurance GEICO

GEICO is considered to be the second-largest auto insurance company in the state. They are widely known for the low rates to the customers either online or over the phone. Suppose you are searching for an affordable auto insurance policy and are willing to manage your accounts online. This Company is for you. 

Geico offers a discount for tracking your driving over the phone through the DriveEasy app, which can measure speeding, hard braking, and use of the phone while driving. It is the best feature for the owners when their trucks are on dispatch by the operators. 

There are common complaints with the insurance claims and above-average customer satisfaction with a rating of 5/5 stars. Their website and mobile app are reviewed to be very useful. However, some coverages are limitedly available through partners and reviewed not to offer gap insurance with a limited local agents network.