How to Save Money on Box Truck Insurance Without Sacrificing Coverage
- Nate Jones, CPCU, ARM, CLCS, AU
- Sep 11
- 2 min read
Box trucks are the backbone of many delivery and logistics operations. Whether you're transporting furniture, appliances, or commercial goods, your business depends on reliable vehicles and strong protection. That’s why having the right box truck insurance is critical—not just for legal compliance, but for financial security.
If you're looking to reduce costs without compromising coverage, this guide will help you understand how to get affordable box truck insurance that still protects your business.
Smart Ways to Save on Box Truck Insurance
Whether you're an owner-operator or managing a fleet, here are practical steps to lower your insurance premiums while maintaining solid protection:
1. Bundle Your Coverage
Combining multiple policies—such as auto liability, physical damage truck insurance, and cargo insurance for box trucks—under one provider can lead to significant discounts. At Wexford Insurance, we offer bundled packages tailored to box trucking businesses, helping you save while staying fully covered.
2. Choose the Right Coverage Limits
While it’s important not to underinsure, selecting coverage limits that match your actual risk profile can reduce costs. For example, if you operate locally and haul non-hazardous goods, you may not need the same limits as a long-haul carrier.
Wexford Insurance helps you assess your needs and customize your commercial truck insurance policy accordingly.
3. Maintain a Clean Driving Record
Insurance providers reward safe drivers. Keeping a clean driving history for yourself and your employees can lower your premiums. Regular safety training and vehicle maintenance also show insurers that you’re a low-risk business.
4. Consider Higher Deductibles
Opting for a higher deductible can reduce your monthly premium. Just make sure your business can afford the out-of-pocket cost in case of a claim.
5. Work With a Specialized Insurance Agency
General insurance providers may not understand the unique needs of box trucking. That’s why working with Wexford Insurance—a trusted agency specializing in transportation-related business insurance—can help you find the best value.
We offer tailored solutions for:
New venture box trucking businesses
Owner-operators
Fleet operators
Our team ensures your coverage meets state and federal requirements while staying within budget.
Final Thoughts
Saving money on box truck insurance doesn’t mean cutting corners. With the right strategy and a trusted partner like Wexford Insurance, you can protect your trucks, cargo, and business without overspending.
Contact Wexford Insurance today to get a customized quote and expert advice for your box trucking business.
