truck insurance Archives

Breaking Down the Coverage You’ll Need for Your Trailer

October 23, 2018January 2, 2021Bob Holtzman

One assumption in the trucking industry is that commercial truck insurance plans are one-size-fits-all, covering a laundry list of liabilities for trucking professionals. However, this just isn’t the case. Having trailer coverage added to a plan is a necessity for truckers who want to make sure they’re covered from end to end. But while coverage may be in place already, it’s important to understand the details of it to make sure that the right insurance protection is set.

Commercial Auto Policy

Utility trailers can be used for non-business purposes. If this is the case, then they are covered by a personal auto policy. A utility trailer used for business has to have a commercial auto insurance policy, however. This kind of policy covers the vehicle towing the trailer and extends from the vehicle to the trailer.

The main coverage on a commercial insurance policy is all about liability insurance. This insurance provides financial protection to the owner of he trailer if they cause an accident or they happen to injure someone. From here, the coverage pays the medical bills for the victim as well as legal defense if it gets to that point.

Property Coverage

This kind of coverage pays to repair or replace the utility trailer if it takes on damage in an accident. The coverages are comprehensive and collision, and owners can add these optional add-ons to a commercial or personal auto policy for more fees. The main concern for truck drivers is the health of their trailer, so if the trailer is damaged or stole, the insurance policy will fix it or replace it. There’s a deductible that has to be paid, which is a partial amount of the loss and can vary depending on policy.

Costs

That leads us to cost, the big issue trucking professionals may have when considering this kind of insurance. Insurance rates for a utility trailer depend on several factors. The trailer’s make and model, its annual mileage, and primary use will be looked at. There are discounts available for drivers over 25 with a commercial license and for trailers used in safer areas where fewer accidents per year are reported.

Things to Consider

Registration and licensing of a commercial utility trailer are needed in most states, especially if it’s being used on state roads. This means that the driver must show proof of insurance, and can even mean that some trailers must pass a safety inspection to qualify for registration.

Make sure to go over everything with your insurance provider to ensure you are getting the best protection at the best pricing for your needs. Having a trailer insurance package needs to be tailor-fit so you can be safe and protected when driving on the roads.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

Safety Tips for Trucking in Traffic

October 16, 2018January 2, 2021Bob Holtzman

Trucking professionals have enough to worry about when it comes to transporting their shipment from location to location. Schedules need to be strict and time is of the essence, but safety shouldn’t be compromised because of a hurried driver. Besides being hasty, there are a number of things to consider when it comes to keeping safety the focal point when driving around regular traffic on streets and highways.

A recent study showed that 2016 saw a 2% increase in fatal crashes involving trucks and buses, and the trend points to a continued gradual increase year-over-year. While truck drivers can’t do anything to make other drivers around them more responsible behind the wheel, they can take certain tips to heart when making sure they’re doing their part to keep things safe.

Investing in Truck Insurance

Truck insurance is a safeguard for trucking professionals who wants to ensure their protection for injuries or property damage sustained. Just like regular auto insurance, this kind of insurance is specifically designed to keep trucking professionals safe as well as the truck they’re driving, and can cover the cargo they’re hauling. This should be the first step for truck drivers looking to be more responsible on the road.

Keeping a Space Cushion

Professional drivers hauling big rigs should monitor something called the space cushion between their trucks and other vehicles around them. Where smaller vehicles on the road are able to shift in and out of traffic more freely, trucks with great size can’t. Drivers need to make sure they are not too close to objects, whether stationary or in motion. Consider tight turns, low bridges and small streets as well as other vehicles.

Trip Planning

Just like you’re prepping to set out on a family trip, it pays to plan ahead and look for things like weather conditions and terrain. This will help to anticipate flow of traffic along your route before you leave to make sure you are traveling down the safest and most efficient roads. Always make sure to plan for and add extra travel time for things like construction, detours, traffic congestion and inclement weather.

Safe Speed

Speed always place a factor for drivers looking to be safe on the road. A couple things large truck drivers have to consider is the fact that it takes longer to accelerate their truck and longer to slow their truck down to a stop. Always be sure to slow down in work zones, but don’t hang back so much that will bring traffic behind you to a screeching halt.

Turns and Road Curves

Tight turns become even tighter for truck drivers. Entrance and exit ramps, and turning down city streets always pose a high level of difficulty and risk of bumping into an object, including cars, pedestrians, and street lights. When you’re entering a curve in the road or negotiating a turn, a good rule of thumb is to slow down. This will help to avoid bumping into anything or anyone as well as turning the truck over on its side. Always allow for distance and speed of other vehicles when making a turn across traffic or into oncoming traffic path.

About Western Truck Insurance Services

Why Every Trucker Should Have Roadside Assistance Coverage

October 9, 2018January 2, 2021Bob Holtzman

Roadside assistance is an add-on type of insurance that some commercial truck drivers may not consider when looking for coverage. Having regular insurance on hand is a must, but budgeting for something like roadside assistance may not be at the top of a driver’s list. However, it’s important that drivers all around know the benefits of having some extra help.

In the event that a semi breaks down, roadside assistance can kick in. Drivers should consider commercial vehicle breakdown insurance to cover a wide range of issues including hotel and travel discounts, fuel delivery service and parts delivery. Let’s see how else vehicle breakdown insurance can be a benefit to truck drivers.

Towing

A semi-truck that finds itself broken down on the side of the road and needs transport to a mechanic will have to be towed away. Typically, this is a major expense under insurance plans and usually higher when it is outside of a roadside assistance program like vehicle breakdown insurance. Investing in this coverage can make things less complicated.

Flat Tires

Semi trucks are not immune to flat tires. Just like a regular car driver may need some help to change a flat, truck drivers could find themselves stranded and looking for assistance. Having a roadside assistance plan in place will offer up built-in help including bringing someone out to help change a flat, no matter the size.

Mechanic Service

Some insurance providers offer up mechanic service to help with things like electrical and mechanical issues. A provider will send someone out to your truck and make any minor repairs needed. Mobile mechanics may not be able to take on bigger tasks, like working on transmissions, but most disabling problems can be taken care of on the spot.

Jump Start

Sounds easy enough, right? Well, sometimes a simple jump start can be a lot to handle, especially for semi’s. Leaving the lights on or having a battery drained will put stress on any trucking operation. Getting a quick jump start will get you back on the road in no time, a must-have for any driver in any state.

Fluid Delivery

Low on oil? A provider can send help with a mobile mechanic who can drop some much needed fluids into a truck. This will help to safeguard against potential engine damage down the road and keep internal damage at bay.

Lockout Service

Forget your keys in the truck cabin? This happens to anyone. Having roadside assistance in place will also lend a hand when you forget your keys in your truck as a provider will send someone out to replace your keys or help you get back into your truck.

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Tired Trucking: How to Combat Driver Fatigue

October 2, 2018January 2, 2021Bob Holtzman

With the rise of e-commerce platforms like Amazon and a huge shift in how we as a society shop for and ship items, the trucking industry has seen a huge boom in activity in recent years. More than 15 million commercial trucks drive along American highways, transporting more than 70% of all goods in the U.S. While this may be a good sign of consumer confidence, it also shows the built-in rise of risk behind the wheel.

According to a survey conducted by the FMCSA (Federal Motor Carrier Safety Administration), the main reason behind commercial truck crashes are fatigued and overworked drivers. Given the nature of the size of vehicle, these crashes ultimately result in serious injury and even death. While it’s important for truck drivers and the transportation companies they work for to invest in Commercial Truck Insurance as a safe precaution, it’s even more important to understand how driver fatigue can be avoided. Here are some ways to combat it:

Get Enough Sleep

This may seem like a simple idea, but more often than not truck drivers find themselves climbing behind the wheel without the proper amount of sleep. It’s important to get a full night’s sleep every night and try to avoid driving when you’re feeling drowsy. Drowsiness may impair the response time of a driver and increase the chances of being involved in a crash.

Have a Healthy Diet

Long hauls on highways may make it hard to maintain a healthy and consistent diet, but it’s a vital component to driver health overall. Going to bed on an empty stomach, skipping meals, or eating foods that don’t contain adequate nutritional value can all lead to interrupted sleep. Not being well-rested due to lack of nutrition and lack of refueling can impair awareness and reaction time.

Stop for a Nap

Even though driver’s like to stick to a schedule, if it gets to a point where you find yourself constantly sleepy behind the wheel, especially during the day, it would help to pull over and nap for a short period of time. A quick stop to recharge or even just rest your eyes without falling asleep for 30-45 minutes will rejuvenate drivers in the middle of a long haul.

Be Aware of Drowsiness

Keep paying attention to indicators of drowsiness such as frequent yawning, heavy eyes blurred vision, and hearing issues. Being awake for 18 hours is relative to having a blood alcohol concentration of .08 percent, the legal level of intoxication. Be sure to recognize when it’s getting too hard to keep your attention focused, as this indicates drowsiness beyond a good limit.

Don’t Use Tricks to Stay Awake

From slapping yourself in the face to rolling the window down to let cold air in to chewing sunflower seeds, there are many different tricks that people have used to stay awake. These actually give you a false sense of security, making you feel like your gaming sleepiness. What they’re doing is actually making things potentially worse as you’re exerting more effort to stay awake when it’s easier and more sensical to pull over and rest.

What’s more, while caffeine may be good to get the day started, depending on caffeine to keep you awake will lead to insomnia, headaches and nervousness, a powerful combination that can lead to mistakes behind the wheel.

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Brake Safety Week: How to Make Sure Your Brakes are Maintained and Working

September 18, 2018January 2, 2021Bob Holtzman

Braking systems are one of the most important components of any semi vehicle on the road. A matter of safety and security for not only the truck’s driver and the cargo they’re carrying, having a well-maintained brake system should keep everyone else on the road safe.

Brake failure is a common cause for accidents and fatalities that involve semi trucks, which will ultimately lead to lawsuits. Having truck insurance, like regular auto insurance, in place will help to provide legal help and liability protection in the event of an accident, but there should be a focus on overall preemptive safety beforehand. Here are some tips to keep in mind when evaluating and providing maintenance to your semi truck:

Replace Pads

Like everyday vehicles on the road, semi trucks have plenty of parts that need to be taken care of and, in time, replaced to uphold integrity on the road. Brake shoes have indicators built into the pads that display when replacement is a need. When a truck is taken in to have the pads replaced, make sure to replace the springs, pins and bushings for the brakes. Essentially, look at this maintenance as a full service job, making sure all components are new.

Slack Adjusters

These work to keep the brakes in alignment when they are in use. Trucks on the road have either manual or automatic slack adjusters, but both need to be greased to work efficiently and effectively. Automatic slack adjusters will keep the brakes in adjustment automatically, whereas manual adjusters require the driver to make the adjustments on their own.

Many operators regretfully forget to grease the slack adjusters, mostly because they are not regularly used. What happens when they go without maintenance for long enough is that they seize up and stop working, which can cause brake failure over time.

S Cams

The S cam is turned by a shaft that’s operated by the slack adjusters mentioned above. The S cams do their work by pushing the brake shoe into the drum to stop the truck. Obviously, they are extremely important given their nature. Make sure to check the bushings when getting maintenance done; bushings are part of the S cam, and need to be greased just like the slack adjusters.

Air Compressions

Check the application pressure and ensure that the gauge reads greater than 60 psi before getting the truck moving. The pressure should run between 100 psi and 125 psi, all working to stop the truck at a reasonable rate. The brakes should be serviced when the application pressure is consistently falling low and a truck should not be used if the pressure drops below 60 psi.

When Brakes Should Be Serviced

Make sure to set out a routine plan and schedule for evaluating and servicing your truck’s brakes for premium safety on the road. Distance traveled between service may vary depending on the truck, but no matter the size and condition of the truck, as well as the model and year, it’s important to have a routine maintenance done.

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The Fundamentals of Dump Truck Insurance

September 11, 2018January 2, 2021Bob Holtzman

Every year there are about 4,000 deaths as a result of large trucks being involved in accidents on the road in America. The risk is high for truck drivers as they drive across the highways every day, and it’s even riskier for dump truck drivers as their vehicles are less agile than cars around them. Damage can be high and the risk of fatality or injury can rise.

A Dump Truck Insurance policy is a specialized type of policy for commercial vehicles that helps protect drivers or owner-operators against truck accident liability as well as provide supplemental coverages to protect against financial exposure. Let’s go over the basics of this kind of insurance and look at its benefits.

Dump Truck Insurance: Is It Required?

In each state there’s a different minimum required limit for liability coverage. This specialized coverage typically comes with separate minimum required limits for bodily injury liability and property damage liability. All trucks are required to carry commercial dump truck insurance that meets the state-required minimum coverage limits for bodily injury liability as well as liability for physical damage to property.

Sometimes, primary liability insurance coverage is provided by the motor carrier. In other cases, a truck driver may be required to purchase coverage for liability. The benefit of having insurance for dump trucks is that it includes the costs of repairing any damage to a dump truck or medical expenses for driver injuries.

What’s Covered?

Having dump truck insurance is like having peace of mind behind the wheel and on the road. Liability insurance is at the center of every policy, providing coverage for bodily injury liability and property damage liability due to accidents involving trucks. Additionally, other causes like fire, theft, and other risks can be covered under dump truck insurance. Again, these policy coverages can vary by state, but more options can include medical payments or personal injury protection.

Here’s a list of available coverages:

Bodily injury liability
Medical payments
Property damage liability
Collision damage
Business interruption
Workers’ Compensation and/or Occupational Accident Injury
And more

How Much Does This All Cost?

By now you can see the value that dump truck insurance provides drivers. When it comes to overall charges, once again, this can vary by state. Additionally, there are other factors that play a role in what the overall cost is. Things like claims history, driving record, and other relevant considerations are looked at when inquiring about a new policy.

Dump truck insurance policies can be tailored to your needs and a good insurance agent will be able to craft the package that’s fit for you. The dump truck business is growing and evolving, and policies are also changing in the same way. Make sure to discuss your liability coverage limits with an agent and go over things like minimum requirements by your state.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and \ transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

How Data-Driven Technology Could Change the Trucking Industry

September 4, 2018January 2, 2021Bob Holtzman

Technology is increasingly changing the world around us and making innovative steps in virtually every industry including trucking. Long haul companies are seeing a growing dependency on digital technology affect their operations and having to reorganize the way they do business. With the advent of autonomous trucking and a threat of a driver shortage looming, the trucking industry is seeing a number of rapid changes pushing and pulling it in many different directions.

Digitized trucking is still a little ways off and the logistics industry as a whole still has time to prepare for dramatic shifts like how to go about commercial truck insurance. Parts of it are already being put in place due to a couple major global trends that are helping to change the trucking industry.

The first is a push to manage climate change and to save energy and resources in an industry that traditionally goes against those notions. Secondly, social and cultural changes are beginning to open up new markets and expectations for the influence of autonomous vehicles and the digitized supply chain. Together, these two factors show that the effect of these trends isn’t just a matter of trucks themselves or how global supply chain is managed. Instead, digitized trucking will transform how most stakeholders in OEMs, logistics, warehouses, and others will operate.

Logistics

Soon enough it will be possible to integrate the truck into real-time logistics data across the whole supply chain. Parts, materials suppliers, manufacturers, warehouses–virtually every area will be affected. When orders are sent to manufacturers, a supply chain system will send back a report on the availability of the goods and timing of shipping it out, thus optimizing its production schedule. If something happens that impedes the truck from delivering on time, on schedule, the system can automatically determine a new route and update the receiving party about the new arrival time.

Transforming the Industry

Bringing updated digital technologies together in the trucking industry of tomorrow has already begun and the digitally integrated world of trucking will see massive differences soon. Trucking companies should already be on top of these changes and anticipating how they can change in real time. Expect to see further development of a hub-and-spoke delivery structure.

The use of large distribution hubs will become normalized in trucking. Trucks will have the ability to do away with human interaction during hub-to-hub trips as autonomous technology continues to be perfected. For now, there are trucking companies trying out this tech, such as Uber and Tesla, seeing how trucks can handle getting on and off highways as well as tracking their cruising performance. As hub-to-hub trucking becomes more common and necessary, regulations will have to change around the impact of fuel consumption and CO2 emissions.

This digital data landscape is more than just software and more visible in areas besides just warehouses and freight loads. Trucking companies should connect the dots between all areas of growth and change in the industry and see their domino-like effects.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and \ transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

Why Pollution Coverage is Necessary for Trucking Operations

August 28, 2018January 2, 2021Bob Holtzman

Trucking companies that invest in a standard truck insurance policy may find adequate coverage against liability claims related to accidents and cargo, but typically don’t have protection against claims related to pollution. It’s no secret that semi trucks emit more pollutants the average car on the highway and some trucking companies have suffered having this exclusion.

With a sharper eye on the trucking industry and its impact on the environment, new players are coming into view to try to alter the impact of semi’s on the road, such as the electric Tesla semi. Regardless of emissions, trucking companies currently on the road today need to understand just how important pollution coverage is in a packaged insurance policy.

Regulation

In 2017, the Environmental Protection Agency announced settlements with three major companies in regards to penalties for violating the state’s truck and bus regulation.

Diesel emissions from trucks are a large source of pollution, relating to health issues like asthma and cardiovascular effects in adults. Many heavy duty trucks are older vehicles and emit high amounts of pollutants. Totaling more than $200,000, the fines pointed out that the companies either failed to install particulate filters on their diesel trucks or failed to verify that trucks they hired for use complied with state rule.

Pollution Conditions

Even if trucking companies aren’t known for shipping hazardous cargo, such as waste, and instead known for trucking harmless natural materials, they have the potential to cause conditions related to pollution.

In recent years, the definition of pollutants has widened to include dirt and rocks. This is due to the Clean Water ACT (CWA) from federal environmental regulations, which put the term on those materials because they could possibly contaminate the water of a new area they’ve been shipped to. There are endorsements, such as MSC-90, that trucking companies can add to their current policies to make sure their inventory and business are safe.

Upset or Overturn

If an accident on the road involves a commercial vehicle that’s hauling hazardous or pollutant materials, this could spell trouble for the trucking company. If a tanker truck, for instance, is damaged in said accident, spilling some of its cargo (i.e. pollutants) on the road, there are costly repercussions associated with this. Property damage rates can skyrocket and repairs to vehicles can be another hindrance toward a commercial trucking company’s bottom line.

With the right coverage, your business can be safeguarded against environmental claims, cleanup costs, and claims of bodily injury or property damage.

About Western Truck Insurance Services

The Biggest Problems Facing the Trucking Industry Today

August 21, 2018January 2, 2021Bob Holtzman

No matter the type of business, no matter the economy, there are high times and tough times for each major industry. And with the advent of smarter and more efficient technology many industries are seeing the speed of change pose new issues.

One major industry feeling the pressure of too much change, too fast, is the trucking industry. From driver shortages to more tech-based opponents, traditional trucking companies are having to change course. One step to protecting the overall future of the industry is to invest in truck insurance, and another is to invest in the actual future: drivers. Here are some ways in which the trucking industry is feeling some pain today.

1. Driver Shortage

Even with an average pay of around $80,000, many news outlets are reporting that the trucking industry is seeing a huge challenge meeting it employment needs. A driver shortage is causing trucking companies to find new ways to attract tomorrow’s drivers. This has been a concern for years in the industry and with companies like Tesla and Uber testing out self-driving trucks, traditional truck drivers are feeling like they’re being replaced.

According to ATRI research, nearly 57 percent of the trucking workforce is at least 45 years old. If this continues, the shortage will reach more than 175,000 drivers by 2026.

2. Hours of Service

Flexible hours or service rules are now more emphasized by companies for their drivers. Many of those who hold stake in the industry believe that drivers should split their hours of operation, while some stress eight hours of straight driving. Employees could get an opportunity to rest when tired and adjust their schedules to avoid everything from traffic congestion to health risks.

3. Cash Flow

Trucking fleets may see a wait time as long as 60 to 90 days to get paid by brokers and shippers. With an extended cycle, a fleet’s cash flow can be drained and growth could be limited. Accounts receivable financing turns fleets’ invoices into cash in under a day, which results in building their working capital.

4. Driver Health

Truck drivers face a number of health obstacles, especially the longer they’re behind the wheel. These drivers are twice as likely as other workers in any industry to be obese, have diabetes and not have any type of health insurance. The job is demanding, and with such stress put on it, drivers are seeing a rapid decline in health, another component of making the job less enticing to new crops of drivers. There are new initiatives in place, like Rolling Strong, which aim to invest in drivers’ health and wellness with better fitness.

5. Safety

Accidents and fatalities behind the wheel happen and have always posed a risk for drivers. But beyond these risks, drivers face overall safety at their truck stops or where ever they park their trucks. There is new sensing technology that has come out that helps trucks avoid collisions and helps reduce the number of accidents, with numbers expected to reduce in the coming years.

About Western Truck Insurance Services

Western Truck Insurance Services is a commercial truck insurance agency with roots dating back to 1954. We have evolved into a highly respected, professionally managed, truck and \ transportation insurance brokerage. The hallmark of our organization is our desire to provide unparalleled service. We go way beyond what you expect to receive from an insurance brokerage. Equipped with state of the art automation, Western Truck Insurance can provide you with lightning fast truck insurance quotes, customer service, Insurance certificates and coverage changes.

Questions to Ask Your Truck Insurance Agent

August 14, 2018January 2, 2021Bob Holtzman

For commercial truck operators, when it comes to insurance, a little bit of research can go a long way. From shopping around and getting quotes to going over exactly what is needed to be better protected behind the wheel, there are preliminary measures to account for.

Truck insurance options aren’t all made equally, and that’s why it’s important for those needing coverage to take a proactive approach to finding the best fit. Chances are that multiple insurance carriers will want your business after you first approach them, so be prepared to ask hardline questions to make sure you’re getting everything covered. Here are five questions to ask agents.

1. How Much Coverage Do I Need?

Truck liability insurance for heavy trucks typically requires the minimum amount of $750,000 as set forth by the USDOT or by the State; but most truck operators select $1mm limits. Most shippers and brokers require the $1mm limits. While these limit may seem a bit high, big rigs can cause a lot of damage to whatever they hit, even if an incident isn’t the driver’s fault.

Commercial drivers should ask their potential insurance agent to guide them through options related to limits. Also, touch on things like umbrella, or excess, policies that can protect you when it comes to drastic losses.

2. Do You Offer Cargo Coverage?

With different types of cargo comes different types of risks. From grain to livestock, oil to cars to hazmat, truckers should understand the potential risks these individual factors pose. While most truck drivers elect cargo insurance at $100,000 care should be taken to make sure the cargo insurance meets the maximum cargo value being transported.

A trucking insurance agent should know what you’re shipping around and be able to offer the right coverage options based on that. In addition, cargo insurance policies can differ greatly in their coverage conditions and exclusions and a good agent will help you navigate these complex issues.

3. Can I Get a Combined Deductible?

There are times when an accident causes damage to everything from your truck to your cargo to other vehicles on the road. Each of these types of damage brings their own liabilities. Your insurance package should cover all this, but separate deductibles will apply to the individual factors.

When you get a combined deductible, you’re only responsible for paying a single deductible no matter the coverages used. It makes this process simple and more easily structured.

4. Can You Change My Policy Quickly?

Truckers who find themselves changing out what they haul on a regular basis, or even day-to-day basis, should be able to reach out to their agent at a moment’s notice. Being able to change your policy quickly can provide protection when you are in a situation where a specific coverage is needed. Your insurance agent, or the office, should be available to you for these changes.

5. What Factors Are Affecting My Premium?

Typically, insurance companies base risk on a number of factors, Age, driving record, credit score, years of experience, distance traveled, freight carried, and others all play a role in just what affects your overall coverage. If your quote seems high, bring it to your agents attention and ask just what is causing this. There are steps you can take to fixing it when renewal is coming up.