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Frame The Importance of

Commercial Truck Insurance in Murfreesboro, TN

  • Let's face it - truckers in America have always been the backbone of our great country. They still are in modern times. On any given day, thousands of trucks traverse our highways and local roads, delivering goods and products on time so that businesses and consumers have what they need to live life. And while commercial trucking can be an incredibly lucrative way to make a living and put food on the table, it can also be risky and expensive.
  • Whether you're the owner of a fleet, an independent trucker, or have a business that uses big rigs to transport goods, you need commercial trucking insurance to protect you and your client's investments, shield you from liability, and more.
  • That's where working with a reliable truck insurance agency comes into play. Unfortunately, for many commercial truck insurance providers, serving the needs of truckers is low on the proverbial totem pole. At Independence Insurance Agency, nothing could be further from the truth.

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percent The Commercial Truck

Insurance Agency in Murfreesboro, TN You Can Trust

Much like you pride yourself on running a successful trucking business, Independence Insurance Agency prides itself on its years of experience providing truck insurance for hardworking men and women across the country. And in our experience, insurance rates for truckers are just too high - so high, in fact, that they eat away at their bottom line, making it more difficult to run a business and make a profit. Fortunately, at Independence Insurance Agency, we provide truckers the freedom they need from astronomically high insurance rates so they can stay on the road and keep driving America forward.

As one of the most trusted commercial trucking insurance agencies in the U.S., we understand the challenges that you face daily as a trucker. We also know how important it is to protect your business. That's why we go above and beyond to find you the best-priced coverage available, whether you're an operator, own a small fleet, a large fleet, or something in between.

Commercial Truck Insurance Murfreesboro, TN

We Put Truckers First Because Others Don't

 Truck Insurance Murfreesboro, TN

Truckers across the country choose to work with Independence Insurance Agency because we put their needs first before anything else. As experts in transportation insurance, we proudly offer a range of quality insurance products that are both practical and affordable for them. Our industry-leading carriers provide coverage that caters to the unique challenges faced by the trucking industry, ensuring that your business is protected at all times.

At our core, we are committed to finding the best possible price for your coverage without compromising the quality of service you deserve. The truth is, we understand how essential truckers are to the United States and take pride in making their insurance experience more streamlined and affordable.

One way we do so is by simplifying the insurance process. Our transportation specialists take the time to understand your specific needs and budget to tailor a comprehensive plan that works for you. You won't ever have to worry about cookie-cutter plans or uninterested agents when you work with our commercial trucking insurance agency. We take an educational approach to ensure that the entire big rig insurance process is quick, painless, and easy to understand. If there's something you don't understand, we're happy to take the time to explain. After all, the success and safety of your business are on the line.

Looking to the future, we are committed to providing innovative new products that cater to the ever-changing needs of truck drivers. As your one-stop shop for commercial trucking insurance, we are dedicated to your success, one policy at a time.

If you're a commercial trucker looking to ensure your rig, you can rest easy knowing that Independence Insurance Agency provides:

  • Affordable Trucking Insurance Plans for Any Budget
  • Exemplary Customer Service
  • Seasoned Transportation Specialists Who Customize Plans to Your Needs
  • A+ Carriers Across the Country
  • Simple, Easy Quote and Bind Process
  • Multiple Insurance Carriers Quoted to Find You the Best Rates
  • Truck Insurance for New Ventures

Call us or send us a message today to learn more about the best 18-wheeler insurance options for your trucking business.

chart The Commercial Truck

Common Types of Big Rig Truck Insurance in Murfreesboro, TN

At Independence Insurance Agency, we offer several types of insurance coverage for local, intermediate, and long-haul trucking needs. Here are just a few categories of trucking insurance coverage that our agency offers.

As the foundation of your insurance policy, liability coverage is required by law in most states in the U.S. It provides coverage for damage or injuries caused to properties or other people if your 18-wheeler is responsible for the crash. Without liability coverage, it's almost impossible to drive a truck or run a trucking business without major legal consequences.

Having physical damage coverage is an essential component that shouldn't be overlooked. This insurance is responsible for covering the expenses related to repairing or replacing your truck in situations such as accidents, theft, vandalism, and other damaging events. By having this coverage, you can rest assured that your business won't be affected significantly by unexpected incidents, and you can continue running your operations smoothly even in challenging times.

For trucking companies, the goods they transport are crucial to their operations. To protect these goods from damage, loss, or theft while in transit, cargo insurance is essential. This coverage provides much-needed peace of mind for both you and your clients, allowing you to reimburse clients for any losses sustained while protecting your reputation and brand identity.

Non-Trucking Liability Insurance is designed to cover property damage or bodily injury that may occur during personal time when the driver/truck is not under dispatch. This coverage can be applied with or without a trailer and is added to a commercial policy as an endorsement.

While Independence Insurance Agency has built a reputation of excellence in serving the needs of truckers, we also offer general liability. Also known as Truckers General Liability, this coverage insures for bodily injuries or property damage that happen due to business activities that are NOT the cause of operating a truck. It covers accidents that occur in parking lots, rest stops, also while loading or unloading. General liability can also cover losses related to theft and vandalism. Most brokers and shippers will require this coverage to work with you.

Bobtail insurance is a type of coverage that is comparable to non-trucking liability, which is designed to offer protection when driving a truck without a trailer attached. This is commonly referred to as "bobtailing." With bobtail insurance, the tractor is covered at all times, even when it is not attached to a trailer, regardless of whether or not the truck is under dispatch.

Trailer interchange insurance is a must-have if you're involved in a trailer interchange agreement. This essential coverage offers protection for trailers owned by other parties that you're using under a contractual agreement. It covers damages caused by collisions, fire, theft, and vandalism, providing assurance to all parties involved.

Curious whether our commercial truck insurance agency in cityname, state offers additional coverage? The following options can be bound in your insurance policy:

  • Business Interruption Insurance
  • Reefer Breakdown Insurance
  • Occupational Accident with Contract Liability Insurance
  • Rental Reimbursement Insurance
  • Underinsured or Uninsured Motorist Insurance
  • Towing Insurance
  • Electronics Insurance
  • Much More

Three plus 3 Safe Driving Tips to

Lower the Cost of Truck Insurance in Murfreesboro, TN

Keeping your drivers safe on the road is crucial not only for their own well-being but also for the safety of other motorists and the financial stability of your business. The Department of Labor has identified the trucking industry as one of the most hazardous sectors in the U.S. In fact, trucking and logistics fleets are known for their high injury and fatality rates. By improving how safely your truckers drive, you can help reduce expenses related to claim payouts, accidents, and insurance premium hikes.

Whether you own a large fleet or you're the owner and operator of a single rig, keep these safe driving tips in mind to help lower your insurance costs.

Implement Preventative Maintenance Plans

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

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 Trucking Insurance Murfreesboro, TN

Practice Defensive Driving

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
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 Commercial Liability Insurance For Truckers Murfreesboro, TN

Find Ways to Prevent Distracted Driving

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

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 Commercial Truck Insurance Quote Murfreesboro, TN

Ensuring the safety of your drivers begins with the safety of their vehicles. Trucks and tractor-trailers that do not receive regular maintenance, such as oil and brake pad changes, are more likely to experience breakdowns while on the road. Telematics devices provide real-time insight into engine and odometer data, including fault codes.

This information enables your mechanics to create comprehensive preventative maintenance schedules based on mileage, history of previous breakdowns, days, and more. Additionally, they can receive immediate notifications for critical fault codes. By implementing routine maintenance and proactive repair schedules, you can ensure that your vehicles are in top condition, minimizing the likelihood of breakdowns, which can help reduce the cost of trucker insurance.

 Low Priced Commercial Truck Insurance Murfreesboro, TN phone Call Now

This approach aims to mitigate the risk of fatal crashes and injuries by proactively identifying and responding to potentially dangerous situations and making informed decisions while driving. By adopting defensive driving techniques, drivers can reduce their likelihood of accidents, thereby minimizing the need for expensive repairs, claim payouts, and increased insurance premiums.

Some of the easiest ways for you or your drivers to practice safe driving include:

  • Be Wary of Blind Spots: Operating a reefer or tractor-trailer means driving high off of the ground, which can make visibility limited, especially in blind spots. To check your blind spot, look over your shoulder and out of your windows while changing lanes.
  • Be Ready for Emergencies on the Road: It's important for drivers to be ready for unexpected situations when driving, especially during long trips. They should be equipped to handle emergencies such as poor driving conditions or big rig breakdowns.
  • Use the Three-Second Rule: Truck drivers should try to maintain a three-second gap between their vehicle and the car in front of them. This means that the truck driver should reach a certain point on the road three seconds after the car in front of them has passed that same point.
  • Always Use Right and Left Turn Indicators: It's important for drivers to always use their turn signals when changing lanes or exiting highways, even if they don't see any other cars around. This is not only required by law, but it also reduces the chances of accidents occurring on the road.
Commercial Truck Insurance Murfreesboro, TN phone Call Now

According to the Federal Motor Carrier Safety Administration (FMCSA), distracted driving is the primary reason behind truck driver accidents. Any activity that takes a driver's attention away from the road or the steering wheel is considered distracted driving. Distractions can come in various forms, such as eating while driving or gazing at a billboard outside the window. However, the most frequent form of distracted driving is the use of cellphones, specifically texting while driving.

Assuming you or your driver's rigs are equipped with dual-facing cameras, try reviewing footage of an unsafe driving incident. Coach your drivers on ways to correct their unsafe behaviors or look up ways to do so yourself if you're the one operating the big rig. The bottom line is that when your drivers aren't distracted, they drive safer. And when they drive safer, the cost of 18-wheeler insurance in cityname, state can be reduced.

 Truck Insurance Murfreesboro, TN phone Call Now

check light FAQs About

Independence Insurance Agency

If you're looking for a commercial trucking insurance agency for your business, chances are you have some questions - and we've got answers. Keep reading to learn more about some of the most commonly asked questions we hear from truckers like you.

Why go with a "jack of all trades" when you can work with specialists who focus exclusively on transportation insurance? We have excellent relationships with major trucking insurance carriers and, as such, can provide the best assistance and reasonable rates.

Typically, companies will look at claims that date back three years or less.

We proudly work with more than 20 carriers to provide our clients with the most advantageous options at competitive prices, catering to the needs of owner-operators and big fleets alike.

Permit filings are typically done by insurance companies on the next business day. Federal (FMCSA) filings are completed online and updated immediately, while some states may take up to three weeks to process.

Independence Insurance Agency: Committed to the Trucking Industry

There's no question about it - you've got to protect your staff, your rig, and your trucking business with insurance. But choosing the right insurance partner isn't always easy. Thankfully, with Independence Insurance Agency by your side, you can rest easy knowing you're covered no matter where the road takes you. If you're in need of a commercial truck insurance agency in Murfreesboro, TN that caters to truckers like you, pick up the phone and contact one of our transportation specialists today. That way, you can get back on the road with confidence tomorrow.

 Trucking Insurance Murfreesboro, TN

Latest News in Murfreesboro, TN

Murfreesboro, TN: A Comprehensive Overview of Current and Upcoming Infrastructure Projects

1. **New Salam Highway Widening (Phase 2):**- Currently widening from the I24 Interchange to Old Fort Parkway.- Expanding from three lanes to five lanes.- Expected completion in spring 2024.2. **Beesy Road River Rock Boulevard Connector (2024):**- Construction of a bridge over Stones River connecting Beesy Road to River Rock Boulevard.- A three-lane curb and gutter roadway with sidewalks and a multi-use path.- Completion scheduled for summer 2024.3. **Mcknight Park Access Road (2024):**...

1. **New Salam Highway Widening (Phase 2):**

- Currently widening from the I24 Interchange to Old Fort Parkway.

- Expanding from three lanes to five lanes.

- Expected completion in spring 2024.

2. **Beesy Road River Rock Boulevard Connector (2024):**

- Construction of a bridge over Stones River connecting Beesy Road to River Rock Boulevard.

- A three-lane curb and gutter roadway with sidewalks and a multi-use path.

- Completion scheduled for summer 2024.

3. **Mcknight Park Access Road (2024):**

- Design includes extending the current access road behind Panda Express.

- The extension is approximately 200ft to the North and 100ft to the East.

- Making a connection within Mcknight Park, completion expected in summer 2024.

4. **Medical Center Parkway Phase 1 (2024):**

- Widening Medical Center Parkway from a four-lane to a six-lane section.

- Stretching from I24 to Thompson Lane.

- Anticipated completion in summer 2024.

5. **Butler Drive Realignment:**

- Realigning Butler Drive approximately 600ft to the west to tie into Joe B Jackson Parkway.

- A three-lane curb and gutter section with sidewalk.

- Expected completion in January 2025.

Upcoming Projects (2024 Start Dates):

1. **Memorial Boulevard Traffic Signal Improvements:**

- Upgrading the traffic signal system along Memorial Boulevard from St Clair Drive to Thompson Lane.

- Integration with T.DOT I24 smart Corridor Technology.

- Estimated construction start in spring 2024.

2. **Rutherford Boulevard Adaptive Signal Control Technology:**

- Installing adaptive signal control technology along Rutherford Boulevard and Northfield Boulevard.

- Estimated construction start in summer 2024.

3. **Bradyville Pike Widening (Fall 2024):**

- Widening the existing two-lane road from Southeast Broad Street to South Rutherford Boulevard.

- Creating three lanes with bike lanes and Transit shelters.

4. **Cherry Lane Phase 2 (Winter 2024):**

- Constructing a five-lane road with curb, gutter, sidewalks, and a multi-use path from West End of Sigel Park to Sulphur Springs Road.

5. **Cherry Lane Phase 3 (Winter 2024):**

- Constructing a five-lane road with curb, gutter, sidewalks, and a multi-use path from Sulphur Springs Road to Northwest Broad Street.

6. **Rutherford Boulevard Extension (Winter 2024):**

- Connecting Rutherford Boulevard to Warrior Drive, including a bridge over I24.

7. **Rucker Lane Phase 2 (2024):**

- Rebuilding Rucker Lane from State Route 96 to just North of Mirawood Boulevard.

- Creating a three-lane roadway with curb, gutter, and sidewalks.

8. **Medical Center Parkway Phase 2 (End of 2024):**

- Widening Medical Center Parkway from a four-lane to a six-lane section from Thompson Lane approximately 85 miles to the East.

9. **Medical Center Parkway Phase 3 (After Phase 2 Completion):**

- Restriping and repaving Medical Center Parkway from the fountains to Broad Street.

- Includes double left turn lanes at the Broad Street intersection.

Upcoming Projects (2025 Start Dates):

1. **Rutherford Boulevard Broad Street Intersection (2025):**

- Providing additional turn lanes on all approaches intersecting major arterials.

- Estimated construction start in 2025.

2. **St Andrews Drive Widening (2025):**

- Improving 4,800ft of roadway from New Salam Highway to Veterans Parkway.

- Creating a three-lane section with curb, gutter, and sidewalks.

- Estimated construction start in 2025.

"I couldn't hear anything", "It was very loud": LSU's Hailey Van Lith and Angel Reese make their thoughts clear on the crowd vs. MTSU

In the second-round thriller between No. 3 LSU Tigers and No. 11 Middle Tennessee Blue Raiders in the NCAA Tournament, the crowd support for the LSU Tigers was deafening. The atmosphere was so intense that the players found it difficult to communicate with each other during plays.Post-match, Hailey Van Lith commented on the crowd, highlighting how important it was for her team."It was very very loud. I don't know how my teammates heard me calling plays. Thank goodness that we were on the side of the court as our b...

In the second-round thriller between No. 3 LSU Tigers and No. 11 Middle Tennessee Blue Raiders in the NCAA Tournament, the crowd support for the LSU Tigers was deafening. The atmosphere was so intense that the players found it difficult to communicate with each other during plays.

Post-match, Hailey Van Lith commented on the crowd, highlighting how important it was for her team.

"It was very very loud. I don't know how my teammates heard me calling plays. Thank goodness that we were on the side of the court as our bench. The fans do a lot for us but they don't always know that they really do set the game and they were a momentum changer for us. They were so loud that I think Middle Tennessee might've been a little intimidated. They probably never had a crowd that loud before and yes they definitely helped us to go on that run in the second half," said Hailey.

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Angel Reese echoed Hailey's comments.

"I couldn't hear anything. At one point I was running on the court, I was looking for a play call. Also, I was staring right at coach like I need to hear what's going on because I couldn't hear anything. There were some signals but I think our point guards did a great job [in] keeping our team together and know right plays to call at the right time."

At halftime, LSU trailed by four points with MTSU holding a 36-32 lead. However, the game changed after the break as LSU cruised to an 83-56 win. They will face the winner of Creighton vs UCLA in the Sweet 16.

Also Read: "Everything I do keep going viral": LSU's Angel Reese subtly acknowledges taunting MTSU player during an intense March Madness matchup

Angel Reese recovered from first-half performance

ESPN analyst Andraya Carter criticized Angel Reese for her performance in the first half.

"I know they are being physical with her, but she is not making good decisions," said Carter.

However, Reese recovered and scored 20 points in the second half to fuel LSU's victory over MTSU. Flau'jae Johnson (21 points) and Aneesah Morrow (19 points) also played an important role in the victory.

Also Read: "She’s not making good decisions": ESPN analyst Andraya Carter slams Angel Reese's following first half struggles against MTSU

Blue Raiders fall to Bearcats 8-4

MURFREESBORO, Tenn. – Middle Tennessee Baseball dropped the first game of the series to Binghamton 8-4 on Thursday evening at Reese Smith Jr Field.Eston Snider roped a three-run home run in the third inning to give the Blue Raiders (10-13, 2-4 Conference USA) an early lead, scoring Grant Snid...

MURFREESBORO, Tenn. – Middle Tennessee Baseball dropped the first game of the series to Binghamton 8-4 on Thursday evening at Reese Smith Jr Field.

Eston Snider roped a three-run home run in the third inning to give the Blue Raiders (10-13, 2-4 Conference USA) an early lead, scoring Grant Snider and Luke Vinson.

Trace Phillips bounced back on the mound going six innings strong. The two-way freshman gave up only two runs in the seventh which led to the change to left-handed pitcher Cole Torbett and then right-handed pitcher Kota Sato.

The Bearcats (8-13, 2-4 Atlantic East) took the lead in the seventh after scoring six runs on three home runs and didn't look back. Binghamton's senior, Gabe Driscoll, tallied eight innings on 83 pitches to limit the Blue Raiders to the fewest runs scored (4) since March 9th against St. Bonaventure.

The Blue Raiders' Kryptonite has been allowing the big inning. MTSU has allowed four or more runs in 19 innings this year.

The Blue Raiders look to bounce back and even the series tomorrow at 4 p.m. CT.

By the Numbers 3: Three strikeouts tie a career-high for the two-way freshman Trace Phillips. 6: Six innings pitched for Trace Phillips is also career high. 27: With Eston Snider's home run in the third, the Blue Raiders have tallied 27 home runs on the season.

The Skipper, Jerry Meyers, Speaks "We have to limit the damage during those spurts. It's not a lack of being able to do it, but we need to stop the bleeding and command the zone better than we have been doing."

Up Next Middle Tennessee will take on the Bearcats again on Friday, March 29 at The Reese. First pitch is slated for 4 p.m.

Follow the Blue Raiders Stay up to date with the Blue Raiders on X (formerly known as Twitter) (@MT_Baseball), Facebook (Blue Raider Baseball) and Instagram (@MT_Baseball).

NCAA Middle Tennessee LSU Basketball

Music Spotlight: Cicely Mason

Cicely Mason is an American singer/songwriter from Milan, Tennessee. She comes from a singing family and is the youngest of six children. One of her earliest memories is singing for a talent show.“It wasn’t for the competition. I just wanted to sing,” she recalled.She sang “Jesus Loves Me” and when she saw the teachers who were the judges, crying, young Mason thought she had done something wrong.“I kept on singing and unbeknownst to me, at the end of the talent competition when they we...

Cicely Mason is an American singer/songwriter from Milan, Tennessee. She comes from a singing family and is the youngest of six children. One of her earliest memories is singing for a talent show.

“It wasn’t for the competition. I just wanted to sing,” she recalled.

She sang “Jesus Loves Me” and when she saw the teachers who were the judges, crying, young Mason thought she had done something wrong.

“I kept on singing and unbeknownst to me, at the end of the talent competition when they were announcing the winners is that I was the overall winner grand prize winner. I released then that (singing) was my God-given gift to use to bless people,” Mason reported.

After that, she was regularly invited to sing at church and other local events. Country music was often played and that’s where she got exposed to it.

Her love for all music started at an early age, but she “started listening to country music on the radio in my room. I was so enamored by it.”

Early in her career, Mason was a neo-jazz, rhythm, and Christian singer. She sang at the Dove Awards and Stellar Awards and performed on BET. At that time, being a black country artist didn’t seem possible, but as long as she was singing, she was content.

Besides being a soulful singer, Cicely Mason is a songwriter. It is important that the music she puts out music that stirs people’s spirits.

“My Music is about a message. God blesses me to write from that place where everybody can relate to the lyrics that are being and telling a message. It's telling a story and it's identifiable,” she confirmed.

Now having gone through a rebranding of sorts, Mason is putting forth her efforts in the country music scene.

Her first country single, “Country Girl” has hints of gospel, soul, and funk in its production. It’s a song that makes you want to move and showcases Mason’s mega vocals.

Now Mason has released a more autobiographical, lyric-based, country song, “Down Home Country.” With lyrics She knows how to treat her neighbors right/she unselfish/ She lives a peaceful life/ She loves everybody/ Big city and streetlights/ Won't change her life/ Cause she's country, downhome country she tells her truths in this personal song.

To be honest, it really doesn’t matter what genre Mason sings. The basis for gospel, R&B, blues, jazz, and country is music that is from the soul. And that is where she shines. Cicely Mason was born to sing.

Cicely Mason is produced and managed by PacPmusic. Follow her on Instagram, Facebook, YouTube, and all streaming platforms.

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