If you’re an owner-operator or independent truck driver, chances are you’ve heard of Bobtail Insurance. This type of insurance covers your truck when you’re driving it without a trailer—also known as "bobtailing"—typically when off dispatch or returning from a delivery.
It’s not just a “nice to have”—for many drivers, it’s a must. But what if you could get the coverage you need without overpaying?
Let’s break down how to save money on Bobtail Insurance without compromising your protection.
1. Know What You Actually Need
Many drivers overpay because they’re not clear on what Bobtail Insurance covers—and what it doesn’t. This policy covers your truck when it’s being operated without a trailer and not under dispatch. It does not replace your primary liability or non-trucking liability insurance.
👉 Tip: Work with an agency like Commercial Pro Shield Insurance that understands the difference and ensures you’re only paying for what you truly need.
2. Bundle Policies
If you have other trucking policies—like primary liability, cargo, or physical damage—bundling them under one provider can unlock discounts.
At Commercial Pro Shield Insurance, we help truckers save by combining coverage plans with top-rated insurers across the country. One call can lower your total monthly premiums.
3. Review Your Policy Annually
Your driving habits, routes, and business setup may change throughout the year. Don’t let outdated policy details cost you extra.
- Update your mileage
- Review your equipment
- Reassess usage patterns
A yearly check-in with a knowledgeable agent can uncover savings.
4. Ask About Safety Discounts
Did you know that maintaining a clean driving record and installing safety features like dash cams or GPS tracking can reduce your rates?
Insurance companies love low-risk drivers—and they’ll reward you for it. Commercial Pro Shield Insurance works with carriers who offer safety discounts to responsible truckers.
5. Shop Around (Without the Stress)
You could call 10 insurance companies… or you could let one trusted agency do the work for you.
We at Commercial Pro Shield Insurance shop multiple carriers to get you the best deal without the hassle. We don’t just look for the cheapest rate—we make sure the coverage fits your situation perfectly.
Don’t Cut Corners—Cut Costs Smartly
Trying to save by dropping or skipping Bobtail Insurance can backfire badly if you're in an accident. The better solution? Optimize, not eliminate.
Ready to Lower Your Bobtail Insurance Costs?
We make it easy. Whether you're a new owner-operator or a seasoned fleet manager, our team at Commercial Pro Shield Insurance is here to help you save money without risking your rig.