Financing & Payment Options
Flexible payment plans for your insurance and equipment. We help you manage cash flow so you can focus on hauling.
Talk to UsInsurance Payment Plans
We make it easy to pay your premiums without breaking the bank.
Monthly Payments
Pay your insurance premiums in monthly installments. No large lump sum required. Available on most policies.
Quarterly Payments
Pay every 3 months. Often comes with a small discount compared to monthly billing.
Annual Payments
Pay once per year. Typically saves 5–10% compared to monthly billing — the best deal if you can afford it.
Auto-Pay / EFT
Set up automatic bank draft payments. Never miss a due date and avoid coverage lapses.
Credit Card
Pay with Visa, Mastercard, Amex, or Discover. Some carriers allow credit card payments with a small convenience fee.
Milestone Billing
For larger commercial policies, we can set up milestone-based billing tied to your revenue cycles.
Equipment Financing
We partner with lenders to help you get the truck, trailer, or equipment you need.
Truck Loans
Financing for new and used trucks — from light-duty pickups to heavy-duty semis. Terms from 24 to 84 months.
Trailer Financing
Dry van, reefer, flatbed, tanker — finance your trailer with competitive rates and flexible terms.
Bad Credit Options
We work with subprime lenders who specialize in operators with less-than-perfect credit. Yes, even with past bankruptcies.
Lease-to-Own
Lease a truck or trailer with an option to buy at the end. Lower monthly payments, flexible terms.
Equipment Breakdown Coverage
Protect your financed equipment against mechanical failure. Not a loan product — but essential for protecting your investment.
Bundle & Save
We can bundle your insurance with your financing — one agency, one relationship, one call for everything.
Financing — Frequently Asked Questions
Can I pay my insurance monthly?
Yes. Most of our carrier partners offer monthly payment plans. There may be a small setup fee ($5–$15/month) or a slight premium increase for monthly billing. We'll compare all carriers' payment options and recommend the most affordable plan for your budget.
What financing options do you offer for trucks?
We partner with multiple lenders who offer truck financing for new and used equipment, including subprime options. We can help you secure financing for:
- New and used trucks (24–84 month terms)
- Trailers (dry van, reefer, flatbed, tanker)
- Lease-to-own programs
- Bad credit and bankruptcy-friendly options
We don't lend money directly — we connect you with lenders who specialize in trucking financing.
How much down payment do I need for truck financing?
Down payment requirements vary by lender and your credit profile. Prime borrowers may qualify for $0 down. Most conventional loans require 10–20% down. Subprime or bad credit loans may require 20–30% down. We'll shop multiple lenders to find the lowest down payment you qualify for.
Do you require a credit check for insurance payment plans?
Most carriers do a soft credit check to approve monthly payment plans, but it doesn't affect your credit score. If you have bad credit, we can still find carriers that offer monthly billing without a credit check — though the fees may be slightly higher. We'll find the right option for your situation.
Can I refinance my existing truck loan?
Yes — refinancing can lower your monthly payment, reduce your interest rate, or extend your term for lower payments. We work with lenders who specialize in trucking refinancing. Give us your current loan details and we'll find you better rates.
What happens if I miss an insurance payment?
We'll contact you as soon as a payment is overdue and work with you to resolve it quickly. Depending on your carrier, there's usually a 10–30 day grace period before coverage is affected. If payment isn't resolved, your policy could be canceled — and a lapse in coverage can affect your MVR and future rates. Don't wait until we call — reach out first.
Let's Talk Numbers
Whether you need insurance payment plans or equipment financing, we'll find a solution that fits your budget.
Get in Touch