Montgomery Commercial Vehicle Insurance

How to find a local expert

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Alabama Commercial Vehicle Insurance

Alabama has over 2,955,000 commercial truck registrations. The majority of accidents involve heavy and tractor-trailer trucks. When you own a Montgomery, AL, business, your commercial vehicle policy must comply with state law.

An independent insurance agent can help find a commercial auto policy for a low premium. They work with multiple markets, giving you options on coverage. Get connected with a local adviser and start saving.

Why Do Montgomery, AL, Businesses Need Commercial Vehicle Insurance

In Montgomery, AL, commercial vehicle insurance will help protect your business assets. The Alabama Highway Safety Office has a drive safe initiative to help inform the public. According to their reports, these are some statistics in Alabama.

  • In Alabama, almost 56% of road fatalities did not wear seat belts.
  • 49% of all Alabama road fatalities occurred at night, including dusk and dawn.
  • In Alabama, most fatal crashes occur on a Saturday.
  • Friday is when most accidents occur in Alabama.

With a commercial auto policy, you'll have coverage for physical damage and liability. It will help your business meet state and federal guidelines, too. There are limits required when you use commercial vehicles for your operations. 

What Are the Commercial Vehicle Coverage Requirements in Montgomery, AL?

If you own and operate heavy trucks and tractors, you will have to follow the Department of Transportation (DOT) guidelines. Montgomery, AL, requires all business owners with commercial autos to have the minimum limits of liability. These coverages are usually pretty low and may need to be increased for sufficient protection.

Alabama's minimum liability requirements for commercial vehicles

  • $25,000 property damage liability per accident
  • $50,000 bodily injury liability per accident
  • $25,000 bodily injury liability per person

Alabama's DOT minimum liability requirements for oversized vehicles / loads

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $300.000 property damage liability per accident
  • $1,000,000 if a combined single limit policy

If your commercial autos leave state lines, you may be mandated to carry federal coverages as well. Heavy loads with hazardous materials will be rated according to their risk. The carriers require each trucking policy to state their haul type. 

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How Much Does Commercial Vehicle Insurance Cost in Montgomery, AL?

In Montgomery, AL, commercial auto coverage and premiums depend on your operation. There are varying items that carriers take into account when rating your policy. Check out the risk factors that companies use to determine your costs.

  • Year, make, and model of all vehicles
  • The radius in which you travel
  • The number of drivers and their motor vehicle records
  • What the vehicles are used for
  • The coverage you choose
  • Where you store the vehicles
  • What safety measures you have in place
  • The time of day or night these vehicles are driven

Carriers use the above information to set premiums for your commercial vehicle policy. They will take into consideration local weather risks and crime. Last, your loss history and financial stability as a business will come into play. 

What Else Does Montgomery, AL, Commercial Vehicle Insurance Cover?

There are optional coverages your Montgomery, AL commercial auto policy can add. To have adequate protection, consider more than just liability coverage. If you want to include insurance for replacement and repair, take a look below.

Rental car insurance: This covers the cost of renting a commercial vehicle while your company-owned auto is being repaired.

Non-owned or hired auto liability insurance: If an employee or contractor uses a non-company-owned vehicle while doing business on your behalf, this will cover your exposure.

Comprehensive insurance: This covers the cost to repair or replace your commercial vehicle if it is lost or damaged due to a non-collision accident.

Collision insurance: This will replace or repair your commercial auto that is damaged due to an accident.

Uninsured motorist insurance:  If your commercial auto is involved in an accident with an uninsured driver, this provides coverage for property damage and medical costs.

Towing and roadside assistance: This will pay for a tow to pick up your disabled commercial auto. 

Why Work with an Independent Agent in Montgomery, AL?

When you're searching for commercial vehicle insurance quotes in Montgomery, AL, an adviser can help. Since coverage is state-mandated, there are key coverages you could be missing. Get a full policy review from an independent insurance agent to ensure you're adequately protected.

An independent agent does the policy and price comparing for you at no cost. They have access to several markets so that you have options. Connect with a local expert on in minutes. 

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