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Is Additional Car Shipping Insurance Necessary?

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If you are moving across the country, purchasing a car from another state, or attending a car show, sometimes driving is not an option. Therefore, you must rely on auto shipping to safely get your car where it needs to go. For most people, their car is one of their most valuable assets, so it only makes sense that they would want to protect it. Although damage during auto shipping is unlikely, there is still the possibility that something could happen while your vehicle is in transit. Things like weather, falling branches, and road debris always pose a slight risk. This is why it is important to inquire about insurance when shipping your car. Shipping insurance can help provide peace of mind during the shipment process. If you are preparing to ship your car in the near future, here are some important things to consider regarding car shipping insurance.

What Insurance is Provided by Shipping Companies?

Auto transport companies are required to provide basic liability coverage. This policy typically  covers damage to your vehicle that occurs during loading, transport, or unloading. Everything else, including any damage that is a result of your car’s condition prior to shipment (e.g, leaking oil, loose parts, etc.) is your responsibility. While basic liability insurance is required, the terms and amount of the coverage will depend on the particular auto transport company and the minimum requirements for that state. That is why it is important to inquire about the details of the insurance coverage prior to booking your shipment.

How Much Coverage is Enough?

Again, auto shipping companies are required to have coverage, but the exact amount of the policy varies by company. Therefore, you need to inquire about the specific policy to decide whether or not it is adequate for your vehicle. You may come to find that the coverage does not meet your expectations in covering the true value of your car. This can be especially true if you are shipping a luxury or antique car. If the company does not offer the coverage you need, you may need to choose a different shipping company or look into adding additional coverage on your own. In addition to checking with your car shipping company, you should also contact your own auto insurance provider. Depending on your policy, your car may be covered during auto transport.

Although auto transporters are legally responsible for carrying liability insurance per the United States Department of Transportation, there are unfortunately frauds out there. Always ask for proof of insurance as well as a detailed explanation of the policy coverage prior to shipping your car. At this point, it is up to you to determine whether or not additional coverage will be necessary.

Creative Ways to Shop for Your Next Car During the Vehicle Shortage

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Instead of driving up to a local dealership to find row upon row of new cars to choose from, you will probably be more likely to find a few new cars here and there along with a random assortment of used cars. Unfortunately, dealerships all across the country are dealing with inventory issues due to a variety of industry supply-chain problems and other production problems related to the Covid-19 pandemic. There is a high consumer demand along with a serious shortage of vehicles which is making it difficult for consumers to shop for a new vehicle. What, then, can consumers do to get a new vehicle? If you aren’t in a position where you can wait for a period of time, you might need to get creative and think outside the box in order to find a new car. Here are some helpful tips and expert advice for car shopping during the current vehicle shortage.

With less inventory available, you may not be able to find a suitable vehicle in your area. Therefore, you can increase your chances of finding a car by expanding your search radius. Thanks to today’s technological advances, you have the ability to shop for a car anywhere in the country. If you are open to purchasing a car in another state and having it shipped to you, you are increasing the odds that you will be able to find a car.

Buy Used

Although all cars are in short supply, used cars are in somewhat better supply than brand new ones. This is caused by a global chip shortage that is severely constraining the supply of new vehicles. Manufacturers are unable to get the tiny semiconductor chips that are needed to build new cars and this has brought the production of new vehicles across the nation to a halt. Thus, car dealers are left with empty lots as manufacturers await shipments of semiconductor chips. While this has certainly pushed up the demand for used vehicles, you will find that there is still a bigger selection of pre-owned vehicles available and they will come at a more affordable price.

Look for Cars on Facebook Marketplace

While you cannot actually purchase a car on Facebook Marketplace, you can search for one and make a connection with a seller. As a result of the current vehicle shortage, the used car market on Facebook Marketplace is hotter than ever. Due to lower inventory, people are looking to places other than dealerships to buy a car and Facebook Marketplace is a great resource. In fact, it has become one the most popular social media platforms to advertise used cars from private sellers.

Don’t Be Too Picky

In the pre-pandemic days you may have squabbled over the color, accessories, and additional options available on your vehicle but these days you don’t have room to be so picky. The pickier you are, the longer you will have to wait. If you are willing to be flexible on the specs of your car there’s a better chance you will get it much sooner.

Consider Other Vehicle Categories

Trucks and SUVs are definitely the most popular vehicles on the market. If you are willing to consider looking into another type of vehicle such as a sedan, you may have better luck finding more options.

Topics You Should Discuss with an Auto Transport Company Before Shipping a Car

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Whether you are purchasing a car online or moving across the country, shipping your car is usually much easier than driving it yourself. However, before handing over the keys, you want to make sure that you have hired the right company for the job. Furthermore, you want to be sure you fully understand the shipping process so that you can have the best experience possible. Given that most people don’t ship cars on a regular basis, you will likely have several questions about the industry and how auto transport works. Here are a few important topics you should discuss with an auto transport company before shipping your car.

What kind of car are you shipping?

One of the first topics you will want to discuss with an auto transport company is what kind of car you are looking to ship. The make, model, and size of your vehicle can help the shipping company get a better idea of what it will cost to ship your car. In addition, if you are shipping a luxury, antique, or classic car, you may want to consider additional options such as enclosed transport. Finally, you want to let the shipping company know whether or not your car is in working condition or if it’s inoperable, as this can change the equipment that will be needed to ship your car safely.

How much will it cost to ship your car?

This is likely one of the first questions you will have and any reputable car shipping company should be able to provide you with a quote. Keep in mind, however, that there are several factors that determine the cost of auto shipment. These include:

  • Size of your vehicle
  • Distance of shipment
  • Open or enclosed transport
  • Door-to-door or terminal-to-terminal delivery
  • Time of year
  • Flexibility of shipping dates

When you receive your quote, be sure to ask if the quote includes everything. You want to make sure you understand the pricing clearly, because the last thing you want are unexpected fees and additional costs.

Are they properly licensed and registered?

You want to be sure that the company you are working with is in compliance with all necessary licensing requirements. Any company that transports vehicles is required to be registered with the U.S. Department of Transportation. They should be able to provide you with a valid U.S. DOT # for verification. In addition, they should also be registered with the Federal Motor Carrier Safety Administration and should be able to provide you with their MC #. You can look this number up on the Motor Carrier website to check the company’s transport history.

What services do they offer?

You want to be sure and discuss what kinds of services the auto transport company offers. For example, some may have restrictions on the size or weight of vehicles. Some may not have the proper equipment to haul an inoperable vehicle. There are also other specific services such as open or enclosed transport, as well as door-to-door or terminal-to-terminal services. You want to inquire about all of these services so you can find an auto transport company that best fits your needs.

Are they insured?

Insurance is a very important topic to discuss whenever you are handing over your vehicle for shipment. You want to make sure that the auto transport company you are working with offers adequate coverage for your vehicle. If you don’t think it’s sufficient, ask about increasing the coverage.

How long will shipping take?

There is no guarantee in the auto shipping industry and this might vary from one company to another. However, they should be able to provide you with an estimated delivery time. Just keep in mind that things like weather, road conditions, traffic, and mechanical problems can arise and affect your delivery time.

What are the payment arrangements?

Be sure to inquire about what payment methods are accepted, and ask about a deposit. Many auto shipping companies will ask customers to pay a deposit or partial payment when the shipment is scheduled, but rarely would you be asked to pay in full. Be sure you understand all of the terms and conditions of your contract so you aren’t hit with any surprise bills.

What documents will you need for shipment?

In most cases, auto transport companies will require title, registration, and insurance information in addition to a photo ID. They need proof that the car you are shipping actually belongs to you. That said, be sure to clarify exactly what documents are necessary so you have everything ready and won’t delay shipment.

How do you prepare your car for shipment?

Though the process of shipping is pretty straightforward, there are a few things you will need to do to ensure your vehicle is properly prepared for shipment. As the owner of the vehicle, it is your responsibility to make sure that your vehicle is prepared for shipment so be sure and ask what you need to do prior to dropping off your vehicle.





Towing an Electric Car- What You Need to Know

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If you own an electric vehicle, you may be wondering if it can be towed. Whether you just want to be prepared in case your car breaks down or you are looking for a way to move it a long-distance, it’s important to know the ins and outs of towing your electric car. While it is certainly possible to tow electric cars, they are not towed like a traditional combustion engine. Electric cars are equipped with onboard electronics and motors that are installed to turn the wheels, and this can make the towing process a bit more complicated. It is best that you are aware of exactly how to tow your electric vehicle.

Why Might You Need to Tow You Electric Vehicle

While EV’s are certainly reliable cars, they are not immune to the occasional malfunction. As with any car, things can and do go wrong from time to time so you need to be prepared for the unexpected. For example, you may encounter a flat tire, a dead battery, brake issues, or even a factory defect. You may also find yourself in need of towing if you plan to move to another state.

Start with a Charge

If the reason you are having your car towed is because the battery ran out, it is best to try and charge it rather than tow it. Instead of towing it to a charging station, check with the towing company to see if they have a charging truck that can be delivered to your vehicle. Charging trucks can be a good alternative to towing if you are dealing with a dead battery.

Towing Your Electric Car

Any car, whether it be gas-powered or electric, can suffer major damage if it is towed incorrectly. Electric vehicles are equipped with computers on the tires, batteries, and sensors, so a number of things can go wrong if it is not towed properly. Unlike gas-powered vehicles, most EV’s do not have a neutral gear, so the wheel movement is generating power to a battery that isn’t turned on. In order to fully eliminate wheel movement, it is recommended that you always tow your EV on a flatbed truck in order to avoid potentially catastrophic damage to your vehicle. In most cases, all four wheels should be off the ground and not in movement unless the car is being driven. When loading your EV onto a flatbed, be sure to check the specific vehicle’s manual to locate where the tow chains can be safely and securely attached to your vehicle.

Safely Transport Your Electric Car

Purchasing an electric vehicle is a big financial investment, so you want to learn about proper care and maintenance. This includes knowing the basics about towing your EV. If you are moving or transporting your EV a long distance, it is always recommended that you work with a professional auto shipping company to safely transport your electric vehicle. This will ensure you protect your vehicle and your investment.

How Car Home Delivery Works When You Buy a Car Online

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If you are in the market for a new car, look no further than your laptop. These days, thanks to technology, consumers can shop dealers all over the country to find the perfect car. They can even make the purchase right from the comfort of their own home. Forget about spending your entire weekend strolling around car lots. Online car shopping has changed the way consumers shop for cars and the process has never been easier. Once you have found that perfect car, you can even arrange for home delivery. Avoid the hassle of spending hours at a dealership and forget about driving across the country to pick up your new car. Home delivery makes buying a car online easy, convenient, and hassle free.

Here’s How it Works

The last thing you want is to put additional miles and wear and tear on your brand new car. Home delivery is the best way to get your new vehicle, without compromising the quality of the car.

Discuss it with the dealer: Before purchasing your new vehicle, be sure to let the dealer know that you are interested in home delivery. Some dealers will offer this service as an option when purchasing the vehicle, while others might not be willing to do so. Some dealers might have a policy where you have to arrange for your own delivery. Either way, you want to discuss this service up front with your dealer so you can negotiate the best price for the vehicle, including transport.

Fill out the necessary paperwork: If the dealership offers home delivery services, the process is pretty straightforward. They will ask you to sign all of the sales documents and verify that the car is indeed the make and model that you chose. At this time you should also ask for photographs of the vehicle as well as a photograph of the odometer. You want to be sure to have these photos so you can properly document the car’s condition prior to shipment. The sales rep should also arrange for an inspection of the vehicle before you conclude the sale.

Research car shipping companies: If the dealership will not provide home delivery services, you will need to make your own shipping arrangements. Start by researching car shipping companies and make sure to verify proper licensing, registration, and insurance. You also want to check reviews and ask for a quote before booking. Once you have chosen a reputable car shipping company, you will arrange for them to pick up your new vehicle at the dealership. (the sales rep should still take care of photos and inspection.)

Choose your transport option: When booking shipping services, you will have the option to choose between open and enclosed transport. Though it costs a bit more, enclosed transport offers the most protection for your vehicle during shipment. Covered transport is recommended for antique, luxury, or expensive cars.

The Bill of Lading: The Bill of Lading is an important document that acts as a contract between the shipping company and the customer. As soon as you come to an agreement on the delivery time, this information will be inserted into the Bill of Lading and the shipping company will arrange to pick up your car from the dealership. Upon pickup, the sales representative will also provide documentation and photographs of the vehicle’s condition. You will electronically sign the Bill of Lading, confirming the condition of the vehicle. Once the vehicle is delivered to you, you will inspect it again and sign the Bill of Lading once more to finalize shipment.

Your car is delivered to you: Confirm all shipping details and ensure all documents are signed. You also want to arrange to have someone available when the car is delivered, so you can sign the Bill of Lading. Once everything is arranged, your delivery is scheduled and your vehicle will be on its way. You should receive notifications about estimated delivery times as your vehicle is in transit.

 

The Surge in Used Car Prices Explained

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If you are in the market for a used vehicle, you have probably experienced a bit of sticker shock. That’s because used car prices have skyrocketed in recent months, in some cases even surpassing the vehicle’s original MSRP. This has undoubtedly turned vehicles into an appreciating asset, something that has previously been unheard of. These record high prices have left consumers feeling annoyed, frustrated, and curious about what is going on. The answer is pretty simple- supply and demand. This basic economic principle, combined with the coronavirus pandemic, has led to record high used car prices. Let’s take a closer look at how we ended up here and what factors have contributed to this rise in price.

The Impact of the Pandemic

There is no doubt that the COVID-19 pandemic has adversely affected a number of industries, and the automotive industry is no exception. In early 2020, millions of workers were forced to work from home, which translated to a delay in new car purchases. Fewer new car purchases means consumers are holding on to their old cars and this leads to fewer used cars available for sale. In short, without a healthy market for new car sales, the used car supply dries up and the cost increases due to lack of inventory. Simultaneously, record levels of unemployment and financial anxiety have encouraged more people to buy used cars instead of new ones, which has led to an even greater demand. Simply put, more and more people are lining up to buy used cars but the supply is low and this drives the prices up.

The Rental Car Crisis

Another reason used car prices have been hit so hard is directly related to rental car companies. Rental car companies were at a near halt last year as a result of the pandemic so many of them sold off most of their cars in order to stay afloat. Now, with the rebound in travel, rental car companies are facing a shortage of cars to rent as demand has soared. They are scrambling to purchase used cars, and are even willing to pay a premium price, to restock their inventory.,

Delayed Purchases

Another factor that is playing into the recent surge in demand for used cars is the fact that many buyers are now starting to make purchases that they put off last year as a result of financial uncertainty during the crisis. Since there are fewer new cars on the market, these buyers are now forced to look into purchasing a used car. These same consumers had planned to spend more to buy a new car, so their budget is now higher for a used car.

Shipping Crisis

Finally, we are facing an unprecedented shipping crisis, with barges unable to unload at their ports. This has led to a devastating shortage of microchips, which are necessary for the electrical components in new cars. As a result, new car manufacturers are forced to slow production, which has left consumers with no choice but to purchase used cars. Again, there is a high demand for used cars and a shortage of supply, which has driven used cars prices to an all-time high.

10 Tips on How to Prepare Your Car for Auto Transport

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Are you preparing to have your vehicle shipped across the country? If so, you may be wondering what you need to do to ensure your vehicle is properly prepared for transport. Since auto transport isn’t something most people do on a regular basis, you may not be aware of exactly what steps you need to take to make sure your vehicle is ready for its cross-country haul. As the owner of the vehicle, you are responsible for preparing your automobile for transport prior to the driver’s arrival. Here is everything you need to know so you can prepare your vehicle for shipping day.

1. Wash the Vehicle

The first thing you will want to do is wash the exterior of your vehicle. This may seem counterintuitive since you are about to have it shipped across the country, but the reason for washing your car is so you can document its condition. You will need to inspect your car and make note of any existing scratches or dings and it’s much easier to spot any imperfections on a clean car.

2. Take Photos of Your Vehicle

Once you have thoroughly cleaned your car, you will want to take time-stamped photos of the exterior of your vehicle. You want to document any scratches, dings, dents, or paint chips prior to handing your vehicle over for transport. These photos will serve as proof of your vehicle’s condition in the unlikely event that your vehicle is damaged during transport. When your car is picked up for shipment, you want to have these pictures ready so you can include them on the Bill of Lading (the inspection report you will sign).

3. Remove Exterior Accessories

Any exterior accessories on your vehicle could get damaged during transport so it’s best to remove them before shipping your car. These items include:

  • Removable bike racks
  • Luggage racks and rooftop boxes
  • Retractable antennas
  • Custom spoilers

4. Perform Any Necessary Maintenance

If you are transporting an inoperable vehicle, you will need to notify the car shipping company of your vehicle’s condition beforehand, as it requires special equipment to transport inoperable vehicles. For vehicles in working condition, you want to check your car for any leaks or mechanical issues. You also want to check to be sure your battery is fully charged, you have adequate air pressure in your tires, and be sure to top off your fluids.

5. Take a Picture of the Odometer

You will need to note the mileage of your vehicle before shipment and upon delivery so you should take a picture of the odometer. This will provide you with peace of mind knowing that no one took your vehicle for a joy ride during transport.

6.Empty Your Gas Tank

You want to make sure that your vehicle has no more than a quarter tank of gas. Extra gas means extra weight and this can add to your shipping cost. Since carriers have to meet certain weight requirements, they prefer that your vehicle have a quarter tank of gas or less.

7. Disable Alarms and Remove Toll Tags

The last thing your driver wants to deal with is a car alarm that won’t turn off. To prevent this from happening, disable your car alarm prior to shipment. In addition, you won’t need to pay any tolls while your car is in transport on a trailer, but your tag would likely still pick up the fee. Therefore, deactivate or remove toll tags before shipment.

8. Remove Personal Items

Most car shipping companies do not allow you to pack personal items inside your vehicle during shipment. These items are not insured against damage or theft, so be sure to remove all personal belongings before handing over your vehicle. This includes items such as sunglasses, charging cables, water bottles, GPS devices, jewelry, or any other personal items.

9. Gather Your Vehicle’s Documents

Before you hand your vehicle over to the driver, they will want proof that the vehicle is actually yours. To prevent any last-minute delays, have your paperwork prepared in advance. You will need the following documents:

  • Vehicle registration information
  • Proof of insurance
  • Bill of sale or other proof of ownership
  • Original vehicle title
  • A valid ID

10. Get an Extra Set of Keys

Your car will need to be driven onto the carrier for loading so your transport driver will need a set of keys to get your vehicle on and off the trailer. This is a good time to have an extra set of keys made if you don’t already have them. You don’t want to hand over your only set of keys.

 

5 Questions to Ask Before a Company Ships Your Luxury Car

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A luxury car is a big investment so you want to be sure it is in the right hands if you need to ship it. Working with the right auto transport company is crucial to a positive car shipping experience. Before handing over your prized possession, you want to make sure that you conduct thorough research to help you find a reliable auto transport company. If you are looking to ship your luxury car, here are some important questions to ask to help you find the right shipping company.

1) Is your company licensed, registered, and insured?

When you are entrusting a shipping company to handle your luxury vehicle, you want to be sure they have the proper credentials to do so. All interstate transport companies are required to be registered with the U.S. Department of Transportation and they should be able to provide you with their DOT number. In addition, they are also required to register with the Federal Motor Carrier Safety Administration and they should be willing to give you their MC number. You can verify their MC number on the Federal Motor Carrier Safety Administration website. It is also required by law that car shipping companies be fully insured. Be sure to inquire about their insurance coverage and if you find that it is not adequate to cover your luxury vehicle, ask if you can increase your coverage for an additional cost.

2) What kind of transport services do they provide?

Most auto transport companies offer the option between open or enclosed transport for your vehicle. While both have their advantages and disadvantages, it is recommended that you choose enclosed transport when you are shipping a luxury vehicle. The outside elements can be hard on your vehicle during interstate travel if it is left unprotected. An enclosed carrier provides the protection you want for your luxury car. Though it costs a bit more, enclosed carriers are the best way to ensure maximum protection for your luxury vehicle during shipment.

3) How much experience do you have shipping luxury vehicles?

You wouldn’t want to trust just anyone with your luxury vehicle. That’s why it’s important to do your research and find out as much as you can about the shipping company you plan to work with. Start by finding out how long the shipping company has been in business and ask specifically about their experience shipping luxury vehicles. It takes additional time and care when handling a luxury vehicle and you want to make sure the shipping company takes those additional steps to ensure your luxury vehicle arrives safely and on time.

4) Can you provide a list of references?

One of the best ways to find out if a shipping company is reliable is to ask people who have used them. A reputable car shipping company that has been in business for a while should have no problems providing you with a list of satisfied customers. Contact a few of these references to see if they can provide additional insight about their experience working with this shipping company. You always want to check references and read reviews, especially when you will be shipping a luxury vehicle.

5) How should I prepare my luxury vehicle for transport?

In order to ensure a smooth and safe shipping experience, there are a few things that need to be done to prepare your vehicle for shipment. Be sure to talk with your shipping company about specific steps you need to take to get your luxury vehicle ready for transport. These steps will likely include:

  • Washing the exterior of your vehicle
  • Taking photos of your vehicle’s condition
  • Removing all personal items from your vehicle
  • Removing any exterior accessories
  • Checking the battery, tire pressure, and fluid levels
  • Performing any necessary repairs or maintenance
  • Making sure the gas tank is no more than ¼ full

Given that each car shipping company has its own rules and regulations, be sure to inquire about any additional steps that need to be taken prior to shipment.



Highlights From The Mid-America Trucking Show

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MATSMid-America Trucking Show (MATS) in Louisville, Kentucky, concluded several weeks ago, with reports showing another impressive turnout.

The final numbers came in as follows:
1,077 Exhibitors
79,061 Visitors
245 Media Coorespondents
1.2 million square feet of showroom

Each year this popular trucking show highlights new technologies, unveils new products, offers seminars, and provides unlimited networking opportunities for transport industry professionals.

This year many new technologies related to efficiency were on display.  From fuel saving tires, cooling systems that function without running the engine, and natural gas / duel fuel solutions.

Natural gas has been gaining popularity in the U.S. with more and more consumers interested in the low cost and abundance.  Clean Air Power company showcased their new dual-fuel technology for heavy diesel engines.  These engines operate primarily on natural gas, but with 100% diesel power on backup.   The result is significant fuel cost savings, lower emissions, without sacrificing power, performance, or reliability.  Agility Fuel systems was another exhibitor focusing on natural gas as a solution for heavy duty transport vehicles.  Their natural gas solutions are providing as much as a 50% savings on fuel costs.  In addition, these natural gas engines cost less to maintain.  With huge global demand for oil, and instability from major producers, natural gas seems like a common sense alternative in the U.S.

Another major event at this show was the Fleet Forum Discussions, where heavy duty/commercial vehicle industry VIPs discuss the future of equipment and trucking.  This year Anne S. Ferro, the administrator of the Federal Motor Carrier Safety Administration spoke about recent trucking industry legislation, safety issues, and also spoke regarding potential new licensing requirements and exams.

See the full re-cap by visiting their website here:
matslogo

Anyone interested in attending the show next year, mark your calendars for March 26-28 2015.

Can I Just Book the Car Carrier Directly?

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Carriers vs Brokers or, Why can’t I just book the trucker directly?
Car Carriers
If you are like many first-time shippers, you may be surprised to learn the person who quotes your auto transport is not going to be driving the truck. He or she is in an office with a phone headset, and nowhere near a truck. In fact, everyone responding to your quote request is a broker who uses that quote to contract a carrier. Not everyone will tell you that. Some brokers are perfectly content to let you make assumptions about the industry. And some are aggressively telling you whatever you want to hear.

It may seem more convenient and cost effective for you to just deal with the guy with the truck. The truth is, the truckers are busy driving the trucks. They don’t have time to take phone calls, to haggle, to explain the process – they have to drive and keep driving. As soon as they finish one run, the have to turn around and hit the road again. There aren’t office hours for truckers.

All truckers find their loads through broker listings on the industry hub: Central Dispatch. That is where all of the waiting jobs are listed, and where truckers can pick and choose the routes – and the pay – they want. Frankly, they respond to the easiest, best paying jobs. They will lock down a good contract immediately. Jobs that have lots of time restrictions, are located in rural areas, or are for super-sized vehicles or offer low pay don’t get contracted. Or, if they do get contracted, it’s to a desperate carrier.

That’s why you want a reputable broker handling the contract. A good broker will recommend a realistic, market price to confirm a good carrier. A good broker will check the carriers documentation to make sure their license and insurance are up to date. And a good broker has a history with carriers, knowing which ones have responsible track records and which are loosey-goosey with safety. A good broker is available during office hours to answer your questions, to provide you with industry information and realistic expectations.

Of course you will have access directly to your driver later in the process, but carriers do not offer estimates directly or prepare customers for pre-transport. That is a reality that has evolved logistically for both the good of the driver and the good of the customer. Your broker is there for a reason, and that relationship is industry standard.