Tow Truck Insurance for Pittsburgh | Pathway Insurance

Tow Truck Insurance Pittsburgh Pennsylvania

WIN Admin — Fri, 27 Jul 2018 18:26:57 +0000

Tow Truck Insurance Pittsburgh Pennsylvania — Low Rates for Good Companies!

If you’re looking for a good deal on your Tow Truck Insurance in Pittsburgh Pennsylvania there’s only one number you need to keep on your speed dial: 1-800-998-0662.

Pathway Insurance is a leading independent agency offering exceptional pricing for Tow Truck Insurance in Pittsburgh Pennsylvania and all of the surrounding areas.

Call us right now, use our online chat system to speak with a licensed agent, or send us a request for quotes around the clock by clicking any of the links you see listed below. Make sure to choose the link closest to your location:

Tow Truck Insurance Pittsburgh Pennsylvania — How Do You get Good Pricing?

Just how do you get good pricing on Tow Truck Insurance in Pittsburgh Pennsylvania?

Excellent question, and the answer is actually not all that difficult.

Companies that qualify for the best pricing on Pennsylvania Tow Truck Insurance have the following characteristics:

has had continuous insurance coverage for three years or longer
zero claims last five years
never pays their insurance bill late
has never had an insurance lapse
pays their insurance bill in full for the year
all drivers have a clean motor vehicle report
no safety violations
owns newer trucks
owner has excellent credit

Those who pay the most for their Pennsylvania Tow Truck Insurance follow this pattern:

they are a new venture
they have plenty of accidents and claims turned in
they have had lapses in insurance coverage
they pay their bill late
they try to pull the “new business venture” scam
they offer repo
they disguise their company as a towing company when they are actually an auction auto hauler or hotshotter
they need unlimited mileage of radius coverage
owner lies on the insurance application
owner hides trucks
owner doesn’t disclose all drivers
owner hires drivers with multiple tickets and accidents on their MVR record

What’s interesting is that the difference in pricing between those who pay the least amount of money and those who pay the most is striking.

A towing company, no matter if it’s offering for-hire towing that includes roadside assistance or towing that is provided through contracts via motor clubs with a spotless record, could qualify for rates as low as $3500 per truck with physical damage coverage and $1 million of liability coverage.

For the opposite side of the spectrum, rates may start at $25,000 per truck if an insurance company is willing to insure them!

Companies that are legitimate new ventures with a clean driving record will not qualify for the lowest rates for Pennsylvania Tow Truck Insurance but the rates may not be insurmountable.

Over time, the new business venture will qualify for better rates as long as they are free of any tickets or accidents.

As an agency we have witnessed many mistakes tow owners have made on their Pennsylvania Tow Truck Insurance, and we use claims scenarios to help educate our readers on practices to avoid. Let’s now continue part 3 of Jimmy Jam Towing.

Tow Truck Insurance Pittsburgh Pennsylvania Claim Scenario – Jimmy Jam Towing Recap of Part 2

In our previous article, which you may read by clicking this link: Tow Truck Insurance Philadelphia, we find Jimmy Jamison having a few beers with his friends and discussing his current employment situation.

Within the last month or so, Jimmy had lost his factory job for missing too many work days. Jimmy wasn’t an early riser, and with his propensity to stay up all night long partying with his friends he would inevitably come to work late or call off sick.

So, Jimmy loses his job and also fails to qualify for unemployment benefits. He is flat broke and forced to move in once again with dear old mom and dad.

Jimmy really is very lazy but he is a likable sort of guy. His closest friends rib him about his irresponsible streak and help him out for some inexplicable reason. Tonight is no exception; they are trying to get Jimmy a job he can keep.

Jimmy’s friend “Tiny” Tim Hester suggests he try being a tow truck driver. Sitting down all day appeals to Jimmy’s lazy side so he is interested.

“Tiny” puts Jimmy in touch with his uncle Carl, whom everybody calls him Brub, and they make arrangements to meet at the 62 Bar on the east side at 4 PM. Let’s now find out what happens next.

Tow Truck Insurance Pittsburgh Pennsylvania Claim Scenario – Jimmy Jam Towing Part 3

Surprisingly, Jimmy is able to meet at the 62 bar 15 minutes before his appointment and sits down at the table near the back where he can watch those entering the bar. He motions for the barmaid to bring him a beer and begins to nurse it as he waits for his appointment.

A few patrons come and go. Jimmy looks at his watch. He was sure Brub agreed to meet him at 4 PM. Jimmy glances at his watch for maybe the fifteenth time. It’s now 20 after 4. Jimmy thinks to himself that he just got stood up.

Jimmy decides he’s going to call “Tiny”. He pulls out his phone from his pocket and he notices that Brub actually texted him to tell him he would be 15-20 minutes late. Jimmy forgot to turn on his phone.

With a sigh of relief, Jimmy looks up after reading the text and sees a man enter the bar and begin to look around. Jimmy waves to the man on the off chance its Brub. The mans nods and walks over to Jimmy.

“You Jimmy?” the rather tall, maybe 6’4, middle aged man inquires.

“Yep, that’s me. “I’m guessing you’re Brub?” Jimmy replies.

“One and the same. What are you drinking?” Brub asks. Jimmy tells him. He walks over to the bar and returns with two beers.

“So, Tiny tells me you want to get into the towing business, yeah?” Brub asks.

“Maybe. Depends on what it pays and the hours. I’m guessing you own a tow company?” Jimmy asks.

“Yep, I do, and I’m always looking for drivers. You have any experience driving a tow truck?”

Jimmy pauses for a moment before answering and looks Brub in the eye. “No, not really. I drove some trucks in the army when I was in, but that’s the extent of my experience.”

“What kind of trucks did you drive in the army?” Brub inquires. Jimmy goes on to tell Brub what he drove.

“Our trucks are a bit smaller than what you drove in the army, so that won’t be a problem. What’s on your driving record? Any tickets? Accidents?” Brub questions.

“Nope. Got a spotless record. Nothing in the last three years,” Jimmy states with confidence.

“Well okay, that’s good. The rates on insurance go up for me when my drivers have bad records. Let me tell you what I would like to offer you because I think you would do just fine.”

Brub explains what Jimmy could earn and even mentions that “if you are good, and I mean really good, I just might be looking for a future partner.” Brub gives a nod and wink, then motions the barmaid Judy over and orders another round for them both.

Jimmy’s career in the tow business begins at noon the following Monday. We will learn more in our next episode.

Tow Truck Insurance Pittsburgh Pennsylvania — Great Rates for Preferred Companies!

Great rates for preferred Tow Truck Insurance in Pittsburgh Pennsylvania and the surrounding areas are simply one call or click away!

Speak to one of our licensed agents by dialing 1-800-998-0662 right now if you’re calling before 5 PM EST Monday through Friday. If it’s after 5 PM look to see if our chat system is active. If it’s active, click on “Chat” to speak with one of our licensed agents.

If the chat system is not active, or it states the agents are busy, click on any of the below links to send us a request for quotes and information around-the-clock:

The post Tow Truck Insurance Pittsburgh Pennsylvania first appeared on Pathway Insurance.

Tow Truck Insurance Pennsylvania

WIN Admin — Wed, 11 Jul 2018 19:40:16 +0000

Tow Truck Insurance Pennsylvania — Great Rates, Call Right Now!

If you are looking for great rates on Tow Truck Insurance in Pennsylvania you have found the right place!

Call the Pennsylvania Tow Truck Insurance Specialists of Pathway Insurance by dialing 1-800-998-0662 Monday through Friday until 5 PM EST.

You can also click on the yellow “Chat with us” image up until 8 PM EST Monday through Friday to speak with a licensed agent about your Pennsylvania Tow Truck Insurance needs. If you find our website after normal business hours, choose any of the links below for your specific area in Pennsylvania to request information and quotes 24/7:

Pathway is a leading independent insurance agency specializing in offering Tow Truck Insurance in Pennsylvania, Ohio, Kentucky, Michigan, Tennessee, Wisconsin, Illinois, Minnesota, Colorado, New Mexico, Texas, Arizona, Alaska, Maryland, Virginia, West Virginia, South Carolina, North Carolina, Georgia, Alabama, Mississippi, Missouri, and Florida.

Tow Truck Insurance Pennsylvania — Towing Companies We Insure:

We insure new business ventures, towing companies that have gotten themselves into hot water because of claims, companies with a completely spotless loss record, and those specializing in repo work.

As you can imagine, companies that have a completely spotless claims record and have been in business for at least three years will pay the lowest amount of money for their commercial truck insurance.

What about those who do not have a spotless record or those starting a brand-new company?

How do the rates compare between the three different situations?

It may shock you to learn that there will be a significant difference in pricing for a company with a completely spotless claims record and in business for at least three years versus a new startup company.

Also, the difference between the company with a spotless record and a towing company with a very bad loss history is even more dire, perhaps to the point that the company can no longer remain in business.

Let’s consider that now.

Tow Truck Insurance Pennsylvania — Price Difference Between Different Circumstances.

Example: A company with a spotless record, in business for three years or longer, with truck drivers all over the age of 25 and with no tickets or accidents on their MVR record (business or personal record) may qualify for a rate as low as $3,500 average per truck for full coverage (comprehensive and collision coverage in addition to primary auto liability).

Keep in mind that, in certain areas within the state, rates may be significantly higher per truck as rates are also based in part by the zip code of the business. For example, a tow truck company can expect to pay more money in the city of Philadelphia than in a city with a much lower population.

However, in some unique situations, the rate has been much lower than the $3,500 per truck average. For instance, if towing is not the main source of revenue generated for the business, i.e. a tow truck is owned and operated by an auto repair garage and towing is not offered for hire but only as an accommodation to auto repair customers, in this case the rate may be significantly lower than an average of $3,500 per truck.

What could a new business venture expect to pay for primary auto liability plus comprehensive and collision coverage if the drivers are over the age of 25 and they have a spotless driving record?

It could be possible for a new business venture to pay a little less than $5,000 per truck on average. Again, there are some unique situations where the owner of the business may have impeccable credit and may qualify for even lower rates than the $5,000 per truck average. This can also be the case when a business does not offer towing for hire but only incidental towing for an auto repair garage or body shop.

What about a company that has a problematic claims history? What could they expect to pay on average per truck?

In some cases, the best pricing for towing companies with a very bad claims history is $25,000 – $30,000 per truck!

For a company offering for-hire towing the pricing may run anywhere from $3,500 per year per truck to $30,000 per year per truck, a very significant difference in pricing.

That difference in pricing may determine if a tow truck company stays in business or whether they go out of business!

How can you avoid the scenario where you may need to pay $30,000 per year per truck?

By avoiding mistakes that others have made on their Pennsylvania Tow Truck Insurance.

As a company, we like to share insurance scenarios. Some are based on true life experiences of those we have met or insured and some scenarios are simply figments of our vivid imagination. We do this to help companies understand the dire financial circumstances they may be facing in the event they make mistakes on their insurance.

Let’s set the stage to consider one such mistake that could be made by a person starting a new tow company.

Tow Truck Insurance Pennsylvania Claim Scenario — Jimmy Jam Towing.

Jimmy Jamison, aged 33 and recently divorced from his second wife, Sandy, just lost his factory job for poor attendance (he would regularly miss work for dumb reasons) and was forced to move into his parents’ home.

Jimmy, truth be told, is quite lazy, and his parents reluctantly allow him to move back in with the condition that he will get a job soon (they are quite familiar with his track record).

Since Jimmy was fired from his job he decides to try to collect unemployment from his last employer and files with the state, thinking that he is entitled to unemployment benefits because he showed up some of the time for his job.

Naturally, Jimmy’s former employer challenged his request for unemployment. After an investigation, the state agreed that Jimmy was fired for cause due to his frequent unexcused absences from work.

Jimmy gets the bad news on a Saturday afternoon after Albert, their mailman, dropped the letter into their mailbox.

Jimmy is depressed to learn he will not be getting a free ride for the next six months on his former employer’s dime so he arranges to meet up with a few of his buddies at the local bar on main street. For some unknown reason, the bar was named the 52^nd street Bar and Grill by a previous owner despite the fact that it has always been located on Main street. The name is a running joke with the patrons and the new owner.

Jimmy walks in and heads over to the corner table where he sees his friend “Tiny” Tim Hester who got the nick name “Tiny” not because he is small in stature but because of his squeaky, high-pitched voice that stands in stark contrast to his 6’5″ body builder frame.

“What’s up, Jimmy my boy?” Tiny Tim says as he guzzles a frosty mug of amber gold.

“Oh, same as usual. I got canned from the Fishfry Factory. No worries, though. The place was getting the best of my olfactory senses,” Jimmy joked. Fishfry Factory, as the name seems to imply, wasn’t related to the fishing industry at all. The company makes inserts for athletic shoes.

“I have got the perfect job for you, Jimmy. Let me tell you what I came up with. It suits you perfectly.” Tiny Tim purred ‘perfectly’, imitating his favorite female feline character.

“Lay it on me, Tiny”. Jimmy motions for one of the waitresses to come to his table to take his order.

As “Tiny” relates his job description to Jimmy, Sunny Piker enters the establishment and ambles to an area until he sees Jimmy and Tiny.

In our next post, which you can read by clicking Tow Truck Insurance Philadelphia, we will learn what employment idea Tiny came up with for Jimmy.

Tow Truck Insurance Pennsylvania — Call or Click Today!

When on the hunt for Tow Truck Insurance in Pennsylvania the best number to call is 1-800-998-0662.

Pathway Insurance is a leading independent agency offering great rates on Pennsylvania Tow Truck Insurance.

Our normal business hours are Monday through Friday by telephone until 5 PM Eastern Standard Time. If you find our website after these hours, check to see if our chat system is active. If so, feel free to ask questions and chat with one of our licensed agents.

Otherwise you can use our quote request system that’s available 24 hours per day by clicking on one of the links closest to your location in Pennsylvania:

The post Tow Truck Insurance Pennsylvania first appeared on Pathway Insurance.