Tired of high truck insurance costs? This breakdown reveals the nine critical factors that directly impact your commercial trucking insurance premiums. From your home state and credit score to your truck's age and driver record, every detail matters. Learn how policy coverages, deductibles, prior insurance history, and even ELD usage can swing your rates. This guide empowers owner-operators and small fleet owners to understand exactly why they pay what they do, so you can make informed decisions to potentially lower your premiums, avoid costly mistakes, and strengthen your business's financial health. Get practical insights to navigate the complex world of truck insurance and keep more money in your pocket.