As an owner-operator, you are the one who has to shoulder all of the costs of running your own small trucking company. This means that you have to pay for your own commercial trucker insurance, which you might have found is not cheap. It is possible that you are due to get a discount of some sort or that it's time for you to save money on your truck insurance, such as in the situations below.

1. You're Willing to Install a GPS System

So far, you might not have installed a GPS system in your truck. In fact, you might associate this type of thing with bigger trucking companies, not smaller companies that are operated by owner-operators. However, installing a GPS system in your semi-truck could qualify you for an insurance discount. Plus, you are sure to find that a GPS system will help you out if your truck is ever stolen, so it could be a good investment anyway.

2. You Haven't Had Any Driving Violations

If you have been focusing on driving safely and following the law, your hard work might be rewarded. If you have gone several years without getting any speeding tickets or other traffic violations, you could find that your hard work will pay off in the form of reduced insurance rates.

3. You're Willing to Switch Insurance Companies

Right now, you might be generally happy with the insurance company you're with. However, if you stick to one company for too long, you might not get the low rates that you deserve. In some cases, being willing to switch insurance companies from time to time can actually help you save money on your trucker insurance. If you have been with the same insurance company for a while but haven't had a reduction in your rate, it might be time to start shopping for a new carrier, particularly if you are approaching your renewal date for your insurance coverage. It shouldn't take too much time to do a little bit of shopping around for a lower rate, and you could find that you will actually save a lot of money on truck insurance if you are willing to switch to another company.

It is possible that you are due for some sort of discount or reduction in your truck insurance rates as an owner-operator. In the situations above and more, you could find that you will save money on your truck insurance. Then, it will be that much more affordable for you to have insurance in place to protect yourself, your truck, and your trucking business.