Frequently Asked Questions
Circle J Truckers Insurance Help Center
What type of insurance do truckers need?
Truck drivers are required to carry commercial auto insurance, but what about other types of business insurance? While not legally mandated, trucking general liability insurance, business interruption insurance and motor cargo coverage can help protect your company from lawsuits and losses.
Is it cheaper to have home and car insurance together?
​
The most common—and money-saving—combination is auto and homeowners insurance. According to a study from InsuranceQuotes, the average consumer saves 16.1% on their premiums when bundling these two products.
What’s the difference between term and permanent life insurance?
Term insurance generally has lower premiums than permanent policies. However, term life insurance does not build up cash value that you can use in the future. Term covers you – as the name suggests – for a term of one or more years. If you die within that term, death benefits are paid out. You can renew most term insurance policies for one or more terms, even if your health has changed, though premiums may be higher. So be sure to ask your insurance agent or company if you will have this option to renew after the end of the term and if there is an age cut-off for renewals. You may also combine cash value life insurance with term insurance for the period of your greatest need for life insurance to replace income.