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Insurance Store Blog

The Insurance Store is dedicated to providing customers with highest level of service, commitment, friendship and expertise in the industry.

Is a Local Truck Entering a California Port Required to Comply with the New ELD Mandate?

The new ELD Mandate takes effect January 1, 2018. Currently, intrastate* carriers do not fall under the new rules for ELDs (electronic logging devices). However, trucks going into and working out of California Ports are considered interstate carriers, and they require MC numbers. The new rules and regulations for ELDs “…apply to interstate drivers of Commercial Motor Vehicles (defined in …

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California SB1 Increased Vehicle Fees and Gas Taxes

The California State Senate recently approved a proposal to raise gas taxes and vehicle fees by $5.2 billion per year. This tax revenue will pay for repairs and improvements to local and state roads, highways, and bridges, mass transit projects, trade corridors for port roads, and reducing congestion on clogged commuter routes. This bill raises excise tax on gasoline by …

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Truck Insurance Rating Criteria

In the past, understanding your commercial truck insurance rate was relatively simple. There were only a handful of criteria that would predicate your rate, including: experience, driving record, location of business, and loss ratio (calculated by how much you paid in premium and how much was paid in losses). Today, rating is almost impossible to predict, even for a seasoned …

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How to Get the Best Rate on My Truck Insurance

These days, insurance underwriting guidelines and rating factors are more complicated than ever. While many of the time-tested techniques are still used, such as radius of operation, garaging location, annual mileage, types of goods hauled, as well as driver points and experience, over the last decade, several more complicated methods have been introduced. The following three factors have a high …

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Insurance Policy Declarations Page

Arguably one of the least-read documents on the planet, your insurance policy declaration’s page, is something you need to make time to review. In fact, reviewing your policy declaration’s page will help refresh your memory as to your current coverages and your potential out-of-pocket costs in the event of a claim. You will also be able to evaluate any additional …

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Referral Program and Charity of the Quarter

Referral Program As a token of our appreciation for your confidence in our services, we are kicking off our new Referral Program. Here’s how it works: Tell you family, friends, neighbors, and coworkers about our company. Have them mention your name when they call us about their insurance needs. (Don’t worry, we ask on every call.) They will received a …

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Giving Back to the Community

Temecula Helping those in our community. Our Temecula office chose SAFE as our charity. SAFE is a local organization here in our city that is committed to providing services for children, youth and families who have experienced or at risk of abuse or violence. We were able to donate more than 150 food items to this organization, and got there …

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The Perfect Storm: Why Truck Insurance Rates Keep Going Up

The question you are asking your agent is, why do my rates continue to go up year after year? Why did my truck insurance go up even though I didn’t have a claim? Why is my truck insurance agent ripping me off? While this article will be focused on commercial trucking, the same principles apply to small commercial auto and …

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DOT Numbers Local Truckers California

DOT Numbers for Local Truckers in California

Are you a local trucker, intrastate? Did you know you have a DOT number? Yes, it is true! Effective January of 2016 the Department of Transportation issued everyone who has a CA Number a new DOT Number. That means even if you have never applied for a DOT number and whether you know it or not, you now have a …

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Combined Deductable for Commercial Truckers

Combined Deductibles for Commercial Trucks

The next time you take a look at your commercial truck insurance policy, find out if your insurance carrier will offer you a combined deductible. It usually does not cost much to add and can save you a lot of money in the event of an accident. A combined deductible is for insured’s that operate more than one piece of …

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