From Kent Brown, Senior Vice President & Transportation Practice Leader, Hylant:

First and foremost, they often wait too long to start the process. That really limits what an insurance agent or broker can get accomplished. So definitely start your search 90 days out and start preparing the materials for a quote 60 days out, so you can get those materials to the company as soon as possible.

Secondly, they often stick with the path of least resistance, or the least effort, because it's easier. This can lead to not having the specific coverages you need, as a vehicle hauler.

Cost is often the number one factor when looking to switch. But keep in mind when analyzing that cost, what coverages you are getting for it. Make sure the coverages are specific to your industry, and that your agent or broker is knowledgeable about the coverages you need for that industry.

Keep in mind, it's going to get easier over time. The first year, when you're switching to a new company, will be the hardest because you're gathering all that information for the first time (or first time in a while). After that first year, though, the process becomes a lot easier and renewing just requires some updating of information.