Connect with us


Top Factors Affecting Commercial Trucking Insurance Cost



trucking insurance

The primary purpose of trucks is to transport goods from one place to another. The size and weight of trucks are enormous, so the damage caused is also massive when there is an accident. This causes financial damage that can be difficult for businesses to bear alone. They apply for commercial trucking insurance so that the damages can be compensated.

Commercial Trucking Insurance Cost Affected by Top Factors

When the businesses are finalizing the insurance required for their trucks, they have to consider a few factors that affect the cost of policies that they want to have. The following points have to be considered when selecting the insurance.

Old Trucks Vs. New Ones

Some businesses buy used trucks that were not insured previously. These trucks might have gone through many accidents, so the insurance policy will be selected by keeping this factor in mind. The newer trucks might require all types of insurance policies like liability, cargo, and auto insurance.

Truckers’ Driving Records

Many individuals think what the use of providing records related to the driving of the truckers is. The insurance companies look at the documents to see if the accidents result from the error done by the driver. Companies will advise businesses to apply for the policy that covers damages due to this reason.

Previous Insurance Claim Documents

If the insurance policy is to be renewed, even then, the companies will demand the documents of previous claims. These documents help determine the level of damage a truck has suffered then the insurance amount is decided.

What is the Milage of the Truck?

The milage of the truck determines how much the vehicle has been used. When businesses hire insurance companies like Bill Fralic Insurance, the truck’s mileage is taken into consideration. Traveling in heavy traffic also affects the mileage as the truck is in first or second gear that uses more fuel.

Type of Cargo Loaded

Many trucking insurance companies offer insurance for the cargo according to the type. For the standard type of cargo, the insurance amount will be less than the hazardous good. The aftermaths of the dangerous cargo are more so the claim amount will be higher.

Information about Truck Route

Trucks have to travel distances and on different routes, including ice roads, rural areas, and paved roads. Trucks running on paved roads are less likely to be in accidents unless any animal comes in front. But the trucks that travel on rural and ice roads are prone to more damage.

Weight and Size of the Truck

The weight and size of trucks also affect the trucking insurance. The heavier the trucks, the amount of commercial trucking insurance claim amount will be more.

Below are a few frequently asked questions that are important to think over.

Frequently Asked Questions

What kind of insurance do I need for the trucking business?

There is a long list of commercial trucking insurance policies that businesses can apply for, including auto, excess, general, and professional liability, and physical damage to the truck and commercial property.

What is commercial transportation insurance?

Commercial transportation or trucking insurance is a group of policies that ensure the damages done to the truck and other properties are compensated. The claim amount is received when the truck has undergone an accident or a theft.

What is the difference between non-trucking liability and bobtail insurance?

Businesses can only claim for the cargo loaded in the trucks when applied to bobtail insurance. In non-trucking liability, the damages are covered when the truck is not being used for commercial purposes.

Continue Reading


Offer Sadaqah Donation With KORT




In a world that is so often bursting with selfishness and greediness, it is through acts of charity that we can hope to restore the balance. There are many ways in which a Muslim can get involved with the charity, however one of the most common ways is to give Sadaqah.

What Is Sadaqah?

Sadaqah is a voluntary act of charity that is provided for the sake of Allah (SWT). Offering Sadaqah doesn’t need to remain in the kind of financial donations, simple kind deeds such as a smile, or an assisting hand, are likewise viewed as acts of Sadaqah.

Who Pays Sadaqah?

Unlike Zakat, which is a responsibility for Muslims to pay, Sadaqah is provided totally on a voluntary basis. It can be contributed at any time of year and any amount can be given– there are no specific quantities or percentages to determine and donate. Further to this, the money can be provided towards any variety of different causes and tasks, as long as there are individuals that will benefit from the donation.

Why Do We Pay Sadaqah?

We pay Sadaqah for the sake of Allah (SWT), as a kind of charity that is genuine and not done for recognition or benefit. Giving Sadaqah must be a selfless act for it to have the greatest effect on all involved.

How Much Do We Pay?

There is no set minimum or a limitation when it comes to contributing Sadaqah. Anything offered will constantly be gratefully gotten.

Sadaqah Jariyah

An essential idea within Islam is the concept of Sadaqah Jariyah– a ‘continuous charity’.

Therefore, numerous Muslims give charity which will continue to have benefit to individuals after their death and continue to earn them benefits.

Differences Between Sadaqah and Zakat
The main difference between Sadaqah and Zakat is that Zakat is a responsibility upon all Muslims whereas Sadaqah is provided easily. Zakat is paid each year based on the lunar calendar and is determined based on savings and possessions above a specific limit (Nisab). Above the Nisab, a Muslim should contribute 2.5% of their wealth. By contrast, Sadaqah is offered of great will, and any amount can be given as an act of charity to anybody. Sadaqah is provided discretely and with no expectation of reward– a selfless act for any Muslim. Anyone can contribute Sadaqah, on their own and on behalf of another individual.

Continue Reading


Effective social media strategy to follow in 2021




Social media has been a great platform for marketing in the current competitive world. Because social media is the place where all varieties of people spend more of their time. Creating a marketing vibe for your business on social media will gain more spread for your business. Due to the share and pin options available on almost all social media, there is an increase in the chance of many followers for a quality product. There are various strategies implemented in social media marketing to develop customer support. With social media marketing, you can gain additional profit from the subscribers and followers. This is a two-way benefit. You can earn money and customers in a single step. To bring the best out of social media marketing, you have to choose the best social media marketing consultants to spread your product brand. To achieve this ultimate benefit, the social media consultant uses the following strategies at the current period:

Strategies involved in social media marketing 

Content planning the content value increases the product value in a positive way towards the customers, which gains more customer follow-ups. Strategies like keyword research and target ideas will make the content even more attractive and gain more positive responses from the customer. The content planning starts from the title and ends with the takeaway notes. Where in between includes providing knowledge, sales are pitching, attracting and even more. At the best social media marketing Brisbane, you will have a set of skilled content developers for your product. And they develop content in a way that attracts a wide range of customers and promotes your sales.

Great social content

This is the main strategy used in almost every services offering social media marketing Brisbane. The focus is on gaining the customer’s trust by providing truthful information and promoting the same information with various blogs and sites. With this, you can highly gain the trust of customers with all your products. They bring the best connection between various social media platforms with truthful and informative content. 

Brand image

When you approach the best social media marketing consultant, they will maintain the standard of your brand image despite various haters and negative reviews. This helps you stabilize your customer and gain more references from potential customers. With the brand image, they also promote your business goals and moto to gain the customer’s trust. They promote your brand identity across various platforms, where each platform will have plenty of reviewers and followers. With this support of spread, you can gain a good and constant customer lineup. 

Tracking competitors

With the social media marketing consultant, you can constantly track your competitor’s activities and process betterment to attract customers from competitors. It is important to track your competitors because you can gain more keywords and strategies and implement them on your social media page. This will help to develop your business strategies and support healthy competition with your competitor. 

Analytics measuring

For the best progress of your business, you have to start self-analyzing your product performance. And this can be done in a better way with social media marketing, and it promotes easy implementing tools for the analysis process. At social media marketing, you can easily fetch data about customer behaviour and preference, and with this, you can make a preference list based on customers choice of product. 

Customer crisis management

The most impressive strategy among various other social media marketing strategies is trafficking crisis management. You will be provided with all prior notifications when the customer trafficking drops, and once you get this notification, you can retrigger your product branding with regular updates. This will highly support you with customer crisis management.

Bottom line:

With the strategies of social media marketing, you will gain more customer traffic. You must pick one of the best digital marketing consultants.   

Continue Reading


What’s the best way to buy a used car?



Buying a used car is not an easy job. Even when buying from a brand-name dealer, it takes some effort to find the right car. If you are looking for deals on Craigslist or eBay instead, you’ll have to deal with dozens of different people and make sure that each one’s claims about the condition and history of their vehicle are true. Even then, you might still fall victim to counterfeit vehicle registration or another scam. However, there are some things you can do to decrease the odds of these situations by finding the best way to buy your dream car in used condition.

Find a Car within your Price range

The first step in buying a used car is to determine how much you should spend. Figure out the range of cars that are within your price range, using an online valuation tool or asking a professional to help you see if it’s worth spending more on one vehicle over another. The goal is to find something within your price range that fits your needs. Many people consider the price range, car make and model they want as well as other factors such as mileage and condition.

Get your credit Checked to Qualify for a loan

It is very important that you apply for a loan before going out looking for used cars. If your current credit score isn’t very good, it may be time to check your credit report and start to repair it if necessary. You will need a good credit score in order to qualify for the best interest rates on any used car you find, so make sure to fix your credit before you go out looking. After all, finding the right car at the best price is not worth losing money due to the high-interest rates on your car loan.

Buy a car with a Buy Here Pay Here Dealership

These companies are intended for people who have less credit and limited income. Buy Here Pay Here Dealers also offer low-interest rates on cars, which is ideal when you can’t afford to pay much upfront in cash or by borrowing money from your bank. Instead of choosing Buy Here Pay Here, you could also just pick a Buy Here Pay Here lot that has the cheapest and reliable car and apply for better loans and loan terms later.

Check your local newspaper

Newspapers usually provide the cheapest deals on used cars. You can save thousands of dollars by looking in your local newspaper and finding a car that fits your needs and budget, rather than going to a dealership where you must pay for services like warranties and other add-ons that you may not need or want. Even if you still want to go to a dealership, you can compare prices from the newspaper to what they are offering and demand a better deal.

Find a reputable dealer online

A good strategy is to find a few reputable, approved dealers online to compare prices and options. You can research these dealers using consumer protection services such as the Better Business Bureau or the Federal Trade Commission. It may take some time to look for used cars on websites such as eBay, CarMax, and Craigslist because you need to know what questions to ask before going out to see a car. Once you find a car that looks good, you can go to that dealer’s website and look for more details about the price, mileage, condition, and history of the vehicle.

Avoid purchasing from private sellers

Purchasing from a private seller is usually not your best option since they don’t always have the best price or the highest quality of care. You can still find a great car from a private seller, but you will need to do some research first. Check the license plate number on your local police database to make sure that no one has reported it stolen. Make sure there’s nothing weird about the registration and ask for proof of ownership and history so you can check the legal documents.

In Conclusion, these are the steps in getting a good used car in your price range. Some of these options may not be ideal since you need to do even more research, but if you take your time and get all of your facts before making any decisions, this process should work well for you. The main thing is to find the best car that fits into your budget and take good care of it for years to come.

Continue Reading


7 reasons why you should drive a Chevrolet




Chevrolet, or Chevy for short, is an American car brand that offers affordable cars with good value. The simple fact of the matter is that no other company has managed to create more legends on wheels than Chevrolet! The brand offers you the opportunity to choose from nearly all types of cars there are. There is no doubt that Chevrolet’s lineup includes an extensive range of bad-ass cars for any taste and style! Drivers want value, quality, safety, and reliability when buying a car. And Chevrolet can offer you everything! However, there are some other reasons why you should drive a Chevrolet.

1-It’s American

The first reason why you should drive a Chevrolet is that it’s an American car! Driving a Chevrolet will instantly make people respect you and cheer you on the road. You don’t have to be a patriot but just knowing that a big chunk of your paycheck will go to support the country earns the brand some points in terms of popularity. So, you can consider this a part of your patriotic duty. Chevy dealers are located throughout the country. Chevy is known for being an American classic so if you own a Chevy, you will automatically be associated with the brand’s rich history.

2- Chevy is a brand that you can trust

For a Chevrolet, durability and reliability are an essential part of its design. Chevy cars have a long-standing reputation for being tough and able to resist any kind of damage without any signs of wear on the bodywork paper! Chevy’s dedication to providing great value has been going on for decades and Chevy has never failed us. Chevy is a brand that you can trust to get you from point A to B reliably and safely.

3- Unbeatable warranty policies

There’s no such thing as a 100% safe car, but Chevy definitely gives you the best warranty in the market. Chevy warranties ensure you that all parts and warranty-covered repairs are free. Chevy is confident enough about its cars to offer such an extensive warranty on top of the already great value they provide! Chevy has a reputation for offering unbeatable warranty policies.

4- Provides the best value in the market

Price is always an important factor if you’re thinking about changing your car. Chevy offers a wide range of competitively priced Chevy cars, which provide great value! Chevy has managed to deliver fun and useful cars at a price that doesn’t empty your bank account! Chevy is confident enough about its cars to offer the best value for your money. Chevy strives to provide drivers with the best car at the best price.

5- Great design and style

Another reason why you should drive a Chevrolet is that Chevy has managed to deliver some truly beautiful, sleek, fast, and stylish cars! Chevy cars are works of art in motion! Chevy has proven time and again that it can create stunning cars. Chevy’s lines are often imitated but Chevy’s designs are never matched, Chevy’s design is truly unique, which helps Chevy stand out from the crowd.

6- Chevy cares about its customers

Chevrolet provides drivers with the best service possible. Chevy knows that without its drivers, Chevy would just be another car brand. Chevy provides great customer service and Chevy will do anything to ensure that the driving experience with Chevy cars is excellent! Chevy cares about its customers and Chevy cares about your safety and comfort while you’re on the road.

7- A wide range of Choice

There’s no doubt that Chevy has managed to create more legends on wheels than any other car brand in the world! Chevy has an extensive range of cars for every taste and style. Chevy offers you the opportunity to choose from a wide variety of Chevy cars, which definitely fits your needs. Chevy offers the widest range of Chevy cars in Chevy’s showrooms, Chevrolet dealerships, and online Chevy stores.

So what are you waiting for? Chevy has all the reasons to make you fall in love with Chevy! Chevy is the best choice for any driver. Chevy will give you more than you ever expected from Chevy cars! Chevy will definitely give you value for your money and Chevy always goes the extra mile.

Continue Reading


Tesla Model 3 Becomes World’s Bestselling EV



The Tesla Model 3 is a vehicle that has certainly generated a lot of attention since it arrived in 2018. Incredibly, the highly desirable vehicle is now the world’s best-selling electric vehicle and the 16th best-selling car in the entire world. The electric car revolution has been gathering pace during the pandemic and the Tesla Model 3 is the vehicle that many have set their eyes on.

A Bumper Year for Tesla 

Statistics from Focus2Move revealed that a total of 439,760 units of the Tesla Model 3 were sold in 2020 with over 800,000 units sold overall, which places it as the bestselling EV of all time surpassing the Nissan Leaf (which had a 7-year head start). It was the Toyota Corolla that was the bestselling car in 2020 selling a staggering 1,134,262 units globally. 

Motorists Becoming Eco-Conscious 

It is clear that today’s motorist is becoming eco-conscious and looking to make positive changes in their life. This will be particularly true following Cop26 and with many countries incentivizing switching to electric vehicles and also putting bans and fines in place for petrol and diesel vehicles. The Tesla Model 3 is the epitome of progression, so it is understandable that so many people are looking to make the switch to this incredibly stylish and futuristic electric vehicle.

EV Sales Rising

In the UK, sales skyrocketed 185.9% for battery-electric vehicles in 2020 compared to 2019 despite new car sales plummeting. In Norway, meanwhile, as many as 8 out of 10 new car sales are now electric and Norway is quickly becoming the nation that is leading the charge when it comes to electric vehicles.

Tesla Stock Rising

Of course, it is not just the soaring demand for EVs that has led the Model 3 to become so popular in recent times. The Tesla stock is rising and this is a brand that symbolizes the future, so it is understandable that people are keen to be associated with particularly when they are so often in the news. For those that make the plunge, you will certainly want to protect your investment with PCP gap insurance as you could be left out of pocket by an eye-watering amount in the event of a write off when an insurance provider will only pay the current market value. Tesla gap insurance starts at just £69 and will give you peace of mind knowing that the amount outstanding would be covered if the vehicle is written off or stolen.

It has been a bumper year in the EV market with many motorists now making the switch. Tesla has benefited from this with the Model 3 becoming the bestselling EV in the world and the 16th bestselling vehicle in 2020. The future looks bright for Tesla and Elon Musk and more motorists are likely to join the EV revolution in the coming years.

Continue Reading