Commercial Truck Insurance Des Moines, IA

commercial truck insurance des moines ia

Coast Transport Insurance Service is an independent insurance agency with more than 40 years of experience serving the transportation industry.  You don’t need to settle for a general insurance agency when you can work with an insurance agency that specializes in commercial insurance for truckers in Des Moines, IA.  We know the trucking industry inside and out, and can help you find the best insurance policy to fit your needs at an affordable price.

We know that saving money on insurance is important, but you also need confidence that your policy and agency are behind you. That’s why Coast Transport works with the A+ rated insurance companies out there. We offer competitive commercial truck insurance rates for residents in Des Moines, IA.

We too are a small business and understand putting your customers first is important.  You will talk to a real truck insurance agent and get honest feedback about your truck insurance questions.  When it comes to getting a quote, we understand you don’t have weeks.  That is why we strive to get you a quote back within 24 hours, sometimes even the same day that you called.  

Give us a CALL or CLICK for a quality, no obligation quote for commercial truck insurance in Des Moines, IA.

Commercial truck insurance Des Moines, IA questions

Commercial truck insurance in Des Moines, IA auto liability limit for big rigs is $750,000. There are a lot of factors that go into a big rig truck insurance rate.  This includes, type of truck, garaging location, radius, age of driver, driving record, value of the truck and dot history, to name a few. 

Semi truck insurance is under the umbrella of commercial auto.  Commercial truck insurance in Des Moines, IA require a minimum auto liability limit of $750,000 to be considered legal.  Other coverages are available and may be required from your broker.  This could include, truckers general liability, physical damage coverage on a none-owned trailer or motor truck cargo coverage.

The main reason commercial truck insurance in Des Monies, IA can be expensive is due to the potential impact or damage the vehicle can cause.  Hence, why the Iowa requires semi truck operator to carrier a minimum auto liability limit of $750,000.

Commercial insurance filings for Iowa truckers

Having a commercial truck insurance policy in Des Monies, IA and being legal are two different things.  You want to make sure your trucking company is following the rules and regulations of the Iowa Department of Transportation and Federal Motor Carrier Safety Administration (FMCSA).  The Iowa Department of Transportation and FMCSA both require insurance filings and/or endorsements on your truck insurance policy.  We can make sure you get the correct insurance coverages to stay in compliance with Iowa and the federal government regulations.

The BMC-91 filing is a guarantees to the FMCSA that you have enough Liability insurance to cover the increased risk of transporting goods or people across state lines.

An MCS-90 is an endorsement that must be attached to Liability insurance and Cargo Liability insurance policies if you are required to have a federal filing. The MCS-90 endorsement guarantees the minimum required protection for members of the public who are involved in accidents for which you are deemed legally responsible.

A Form E filing certifies that your Liability insurance complies with your home state’s financial responsibility laws.

Form E is not required in all states.

Form H filing guarantees you have sufficient Cargo Liability insurance

Form H is not required in all states.

truck insurance

Truck insurance coverages we can write in Des Moines, IA

We can tailor a commercial truck insurance package in Des Monies, IA to your needs. This can range from full coverage to liability only to get you on the road as quickly as possible.

Liability Coverages

Vehicle Coverages

Truck Specific Coverages

Driver Coverages

Towing Specific Coverages

Specialty Truck Coverages

Commercial truck insurance we can write in Des Moines, IA

We can insure almost any commercial truck type out there.  Below are the most common we see.

owner operator insurance

We can write truck insurance in other cities in Iowa

No matter what city you reside, we can help put a competitive commercial truck insurance package together for you.  We can help all area’s around Des Moines including…

We can also offering commercial auto insurance to the neighboring states: Illinois, Minnesota, Missouri, Nebraska and Wisconsin.

truck insurance

Resources for Des Moines Truckers

Iowa Motor Truck Association advocates, promotes and defends TRUCK’s trucking industry.

The Iowa Department of Transportation oversees Iowa’s infrastructure mainly roads, underpasses and highways.

Iowa Insurance Division is the regulatory body that oversees the Iowa’s insurance industry.

Federal Motor Carrier Safety Administration is the regulatory body that oversees the commercial motor vehicles in the United States.  Their job is to keep our roads and highways safe.

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