The top-rated truck insurance agent in Lorain, Ohio is Neil Elkins - State Farm Insurance Agent, rated 5.0 stars across 362 reviews. Other highly rated options include Nick Perrico, Sr. - State Farm Insurance Agent, Charles Chapman - State Farm Insurance Agent, Robert Taylor Insurance (Lorain Office). This directory lists 15 truck insurance agents serving Lorain.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Neil Elkins - State Farm Insurance Agent | 1812 Cooper Foster Park Rd | (440) 282-2001 |
| 2 | Nick Perrico, Sr. - State Farm Insurance Agent | 6401 S Broadway | (440) 233-8501 |
| 3 | Charles Chapman - State Farm Insurance Agent | 4340 N Leavitt Rd F | (440) 985-1405 |
| 4 | Robert Taylor Insurance (Lorain Office) | 2063 N Ridge Rd | (440) 277-5191 |
| 5 | Chris Arnott Agency Inc. | 4789 N Leavitt Rd Suite D | (440) 723-2991 |
| 6 | Cathie Halko - State Farm Insurance Agent | 1065 N Ridge Rd W | (440) 233-6157 |
| 7 | Lighthouse Insurance Agency | 4789 N Leavitt Rd Suite D | (440) 984-3463 |
| 8 | Janasko Insurance | 562 Broadway | (440) 245-6268 |
| 9 | The Liberty Company Insurance Brokers (Formerly Nationwide Insurance: Sam J Saraniti Clu) | 520 Broadway | (440) 776-8900 |
| 10 | Somers Agency LLC | 5311N N Leavitt Rd Ste 100 | (440) 324-3447 |
Neil Elkins - State Farm Insurance Agent serves Lorain County, Ohio, providing commercial auto coverage for trucks operating in the local area. As a truck insurance agent in Lorain, this office handles policies tailored to the needs of regional freight haulers and delivery fleets. Coverage may address liability risks specific to commercial vehicles and physical damage protection for trucks on the road. This agency also assists with policies that meet regulatory requirements for cargo insurance and general liability common to the trucking industry in this region.
Serving the Lorain, Ohio area, Nick Perrico, Sr. - State Farm Insurance Agent provides commercial truck insurance policies. These plans address liability, cargo, and physical damage coverage for local transportation needs. The company offers maintenance guidance to help trucking clients mitigate risks during daily operations. Their insurance supports a variety of commercial fleets, including tractor-trailers, delivery vans, and box trucks. The agency also services additional property types, including single-family homes and small apartments.
Serving Lorain, Ohio, and the surrounding communities in Lorain County, Charles Chapman’s agency focuses on providing coverage for commercial trucking operations. It handles a broad range of policies tailored to the needs of local owner-operators and small fleet managers in the region. The agency thoroughly evaluates each client’s specific routes, cargo, and vehicle types to secure appropriate protection. When handling a typical job, it begins with a detailed risk assessment to match coverage limits with the driver’s unique exposure on the road.
Serving trucking companies, owner-operators, and fleet managers in the Lorain area, Robert Taylor Insurance (Lorain Office) provides coverage for commercial vehicles and cargo operations. The agency helps clients manage risks specific to long-haul and local haul trucking, including liability protection and physical damage policies. It offers access to multiple carriers to find coverage that fits operational needs and budgets. The office also serves trucking businesses in Elyria and throughout much of Lorain County.
Chris Arnott Agency Inc. specializes in commercial truck insurance policies for owner-operators and fleet owners in the Lorain, Ohio area. Beyond coverage for cargo and liability, the agency also handles general agency duties like policy reviews and claims assistance. As seasonal weather changes can create unpredictable road hazards, the agency helps local drivers adjust their coverage to address increased winter driving risks and potential cargo damage.
For local truck drivers, choosing between one-time policy adjustments and an ongoing service plan typically determines how quickly coverage can adapt to shifting needs. At Cathie Halko - State Farm Insurance Agent in Lorain, OH, truck insurance coverage addresses liabilities unique to commercial vehicles, including cargo protection and roadside risks. Service is offered on either a one-time or as-needed basis, allowing clients to schedule appointments only when their policy requires reassessment or an update occurs.
When winter ice makes Ohio roads treacherous for commercial trucks, Lighthouse Insurance Agency in Lorain provides essential coverage planning for local fleets and independent operators. Their work as a truck insurance agent involves examining regional hazards like lake-effect snow and heavy cargo corridors. For any carrier seeking protection, they begin with a thorough review of safety records, vehicle values, and typical hauling routes. This initial assessment allows them to match each client with appropriate liability and physical damage policies tailored to their specific operations.
Janasko Insurance in Lorain, Ohio, handles the specialized insurance needs of commercial truck operators and fleet owners. They provide essential liability and physical damage coverage, alongside tailored options for cargo protection and roadside assistance. Their policies address the unique risks of regional hauling and long-distance trucking across the Midwest. The company serves a variety of commercial sectors requiring reliable transportation support, including local delivery services, warehouses, distribution centers, and food service operations.
Serving residential clients first, this Lorain-based agency addresses the specific insurance needs of homeowners in the local community. The company also provides commercial coverage for truck operators, helping them manage risks associated with their fleets and cargo operations throughout the Lorain area. Following an initial policy discussion or a claim, an agent helps clients understand their deductibles and can coordinate adjustments to coverage when vehicles undergo routine maintenance or are replaced between regular visits.
Somers Agency LLC is known for providing truck insurance coverage tailored to the unique risks of commercial fleet and independent owner-operator clients throughout the Lorain, Ohio area. Its service range includes policy placement for liability, physical damage, and cargo protection to meet state and federal requirements. The agency works with drivers who navigate local routes as well as long-haul operations. A specialty add-on service the company offers is coverage for non-trucking liability during personal use of the vehicle.
What Does a a Truck Insurance Agent in Lorain Cost?
Truck insurance costs in Ohio typically range from 8000 to 15000 dollars per year for a single owner-operator policy. Fleet policies can cost 20000 dollars or more depending on vehicle count and cargo type. Rates vary based on driving history, radius of operation, and coverage limits. This is general information and not insurance advice.
About truck insurance agents in Lorain
Truck insurance agents in Lorain Ohio help owner-operators and fleet managers secure the right coverage for their commercial vehicles. Ohio law requires minimum liability limits of 750000 dollars for general freight trucks operating in interstate commerce. Local agents can guide you through Ohio Bureau of Motor Vehicles requirements and help you meet federal FMCSA filing obligations.
Frequently Asked Questions
What types of truck insurance are available in Lorain Ohio?
Common coverages include liability, physical damage, cargo insurance, and non-trucking liability. Agents also offer motor truck cargo coverage for goods being transported. Ohio requires proof of financial responsibility for all commercial vehicles.
Do I need a specific Ohio filing for my truck insurance?
Yes. Ohio requires either a Form E or Form SR 22 filing for certain commercial drivers. Your agent can file the necessary paperwork with the Ohio Bureau of Motor Vehicles to keep your truck legally registered.
How does Ohio law affect truck insurance rates in Lorain?
Ohio is a tort state meaning fault determines payouts after an accident. This can affect premium costs. Local factors like traffic on I-90 and US 6 also influence rates. Agents consider your driving record, cargo type, and annual mileage.
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