When choosing commercial truck insurance, key factors include coverage types, such as liability, physical damage, and cargo insurance, to protect against various risks. Consider the policy limits and deductibles to balance cost and coverage, ensuring they meet legal and business requirements. Look for insurers with a good reputation for handling claims efficiently and providing reliable customer service. Evaluate premiums, but also account for discounts, payment flexibility, and additional benefits like roadside assistance. Ensure the policy covers the specific needs of your trucking business, such as long-haul or regional operations, vehicle types, and driver experience.