Owner Operator Insurance Johnson Tn – Just a Call or Click Away!
Pathway Insurance is a leading independent insurance agency serving the state of Tennessee.
Call Pathway Insurance today at 800-998-0662 and speak with one of our knowledgeable agents today about the Johnson Owner Operator Insurance you seek. You can also click on Johnson Tn Owner Operator Insurance to submit an online request for insurance quotes and information 24 hours a day, 7 days a week.
Smart Ways to Save on Your Tn Owner Operator Insurance Premiums.
As we have said in an article previously, Owner Operator Insurance is very expensive. It is the most expensive form of commercial auto insurance available, in fact. Still, there are ways a responsible policyholder can keep their monthly insurance premiums low.
Here’s another smart way to save on your premiums:
Keep Your B.A.S.I.C. Score low (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
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.
A high BASIC score could mean paying a lot more for your commercial truck insurance premiums.
We’ll discuss the next smart way you can save money in next week’s article.
Owner Operator Insurance Johnson Tn – Call Today!
Call 800-998-0662 to speak with the agents at Pathway Insurance today, or click Owner Operator Insurance Jackson to ask for free quotes and information.
In addition to Jackson, we also provide Tennessee Owner Operator Insurance in the following areas:
- Tullahoma Tn Owner Operator Insurance
- Owner Operator Insurance East Ridge Tn
- Shelbyville Tn Owner Operator Insurance
- Owner Operator Insurance Farragut Tn
- Bristol Tn Owner Operator Insurance