There are a lot of reasons why it’s hard for owner-operators to get the best deal possible on their truck insurance. Owner-operators are busy. For one thing, their work requires them to be on the road concentrating on the road ahead, and using two hands. They have loads to deliver—they don’t have loads of time to analyze and interpret various insurance rates on a regular basis to make sure they’re getting the best value for their needs. On top of that owner-operators are businesspeople, responsible for the maintenance and operation of large, expensive, and complicated machinery.