Owner Operator Insurance Augusta Ga – Great Rates!
Seeking better rates on Owner Operator Insurance in Augusta Georgia? Then your search is over.
Call Pathway Insurance today at 800-998-0662 and speak with one of our experienced agents. They can help you find great low rates and better coverage on Augusta Owner Operator Insurance. You can also click on Augusta Ga Owner Operator Insurance to submit your request for insurance quotes and information 24 hours a day.
Smart Ways to Save on Your Georgia Owner Operator Insurance Premiums.
As we mentioned last week, Owner Operator Insurance is very expensive. In fact, it’s the most expensive kind of commercial auto insurance. But that doesn’t mean there aren’t ways to keep your monthly insurance premiums manageable.
Here are some ways to save money on your Owner Operator Insurance:
Step 1: Keep Your B.A.S.I.C. Score as low as you can (BASIC stands for Behavior Analysis and Safety Improvement Categories).
As listed on the CSA website and described by the Compliance, Safety, Accountability (CSA) Operational Model, this includes:
Unsafe Driving — Operation of commercial motor vehicles (CMVs) by drivers in a dangerous or careless manner. Example violations: Speeding, reckless driving, improper lane change, and inattention.
Hours-of-Service (HOS) Compliance — Operation of CMVs by drivers who are ill, fatigued, or in non-compliance with the HOS regulations. This BASIC includes violations of regulations pertaining to records of duty status (RODS) as they relate to HOS requirements and the management of CMV driver fatigue. Example violations: HOS RODS, and operating a CMV while ill or fatigued.
Driver Fitness — Operation of CMVs by drivers who are unfit to operate a CMV due to lack of training, experience, or medical qualifications. Example violations: Failure to have a valid and appropriate commercial driver’s license (CDL) and being medically unqualified to operate a CMV.
Controlled Substances/Alcohol — Operation of CMVs by drivers who are impaired due to alcohol, illegal drugs, and misuse of prescription or over-the-counter medications. Example violations: Use or possession of controlled substances/alcohol.
Vehicle Maintenance — Failure to properly maintain a CMV and/or properly prevent shifting loads. Example violations: Brakes, lights, and other mechanical defects, failure to make required repairs, and improper load securement.
Hazardous Materials (HM) Compliance — Unsafe handling of HM on a CMV. Example violations: Release of HM from package, no shipping papers (carrier), and no placards/markings when required.
Crash Indicator — Histories or patterns of high crash involvement, including frequency and severity. It is based on information from State-reported crashes.
A carrier’s measurement for each BASIC depends on the following:
The number of adverse safety events (violations related to that BASIC or crashes), the severity of violations or crashes, and when the adverse safety events occurred (more recent events are weighted more heavily).
And after a measurement is determined, the carrier is then placed in a peer group (e.g., other carriers with similar numbers of inspections).
Percentiles from 0 to 100 are then determined by comparing the BASIC measurements of the carrier to the measurements of other carriers in the peer group. A percentile 100 indicates the worst performance.
Earning a low BASIC score may mean paying much more on your commercial auto insurance premiums, or even becoming incapable of being insured with nearly all insurance providers.
So, to keep your insurance premiums low, it’s important to follow Step 1 and keep a low BASIC score.
We’ll discuss the next step you can take to save money in next week’s article.
Owner Operator Insurance Augusta Ga – Call Today!
Call Pathway Insurance Services at 800-998-0662 and find the coverage you need today, or click Owner Operator Insurance Augusta to request a free quote twenty four hours a day, seven days a week.
In addition to Augusta, we also provide Georgia Owner Operator coverage in the following areas:
- Marietta Ga Owner Operator Insurance
- Owner Operator Insurance Smyrna
- Valdosta Owner Operator Insurance
- Brookhaven Ga Owner Operator Insurance
- Dunwoody Ga Owner Operator Insurance