Raise your deductible. Moving from a $500 to a $1,000 deductible reduces monthly premiums by 10% to 25%. Do not raise it higher than your 30-day cash reserve.
Keep a clean driving record. Commercial auto insurers check all drivers on your policy. One DUI or serious moving violation on your record typically adds $1,200 to $3,000 per year to your food truck commercial auto insurance.
Get at least three competing quotes. NEXT Insurance, The Hartford, and Progressive quote the same coverage very differently based on their individual risk models. Using a marketplace like Insureon or Simply Business lets you compare simultaneously.