Age Isn’t a Dealbreaker—It’s an Opportunity
In the trucking world, an older rig isn’t necessarily a liability—it’s a testament to durability and hard work. But while experience on the road adds character to your truck, it also increases the likelihood of wear and tear. Many drivers worry that finding coverage for older trucks will be complicated or too costly. At Total360™, we believe that age shouldn’t stand in the way of protection. Our Older Truck Coverage is designed to keep high-mileage, seasoned rigs on the road longer—without sky-high premiums or complex limitations.
The Problem with Traditional Coverage Plans
Many traditional repair programs shy away from offering comprehensive plans for older trucks. Insurance companies often see higher mileage as a higher risk, leading to inflated costs or complete coverage denial. Some policies include:
- Mileage Caps – Capping coverage at certain mileage limits, often excluding trucks over 500,000 miles.
- Age Restrictions – Refusing coverage for rigs older than a specific model year.
- High Premiums – Charging significantly more for older trucks, often without additional benefits.
But here’s the thing—trucks are built to last. And many owner-operators and small fleet owners run rigs that are well-maintained but simply have a few more years and miles on them.
Why Total360™ Covers Older Trucks
At Total360™, we’ve designed our Older Truck Coverage to work for drivers who rely on seasoned rigs. We understand that a well-maintained truck, no matter its age, can still deliver peak performance. That’s why our policies come with:
- No Mileage Caps – Unlimited mileage on all coverage tiers.
- Flexible Age Requirements – Coverage for trucks up to 16 years old.
- Competitive Rates – Affordable pricing that doesn’t penalize you for your truck’s age.
Key Takeaway: We don’t see age as a risk—we see it as a sign of reliability.
What’s Included in Older Truck Coverage?
Our comprehensive protection ensures that even high-mileage trucks stay road-ready. Here’s what you can expect:
- Engine Coverage – Internally lubricated parts, crankshaft, pistons, timing chain, camshaft, and more.
- Transmission Protection – Coverage for manual and automatic transmissions, including torque converters, bearings, and gear sets.
- Differential Coverage – Protecting gears, bearings, shafts, and differential housing.
- Aftertreatment Systems – DEF systems, DPF filters, EGR valves, and SCR catalysts.
- Optional Add-Ons – APU coverage, hydraulic system protection, and aftertreatment enhancements.
Bonus: Our unlimited mileage feature means no matter how far you go, you’re always protected.
The Value of Coverage for Older Trucks
Older rigs often come with lower upfront costs, but they also come with the potential for unexpected breakdowns. Without coverage, a single major repair can put a serious dent in your finances. With Total360™, you’re protected from costly repairs that could otherwise sideline your operations.
- Reduced Out-of-Pocket Costs – Avoid hefty repair bills.
- Roadside Assistance Options – Towing reimbursement up to $500 per incident.
Real-World Example: The Power of Coverage
Meet Mike, a long-haul driver with a 14-year-old Peterbilt. He logged over 750,000 miles when his turbocharger failed. Without coverage, he faced a $7,000 repair bill. Thanks to Total360™, the entire repair was covered, leaving Mike with zero out-of-pocket expenses beyond his standard deductible.
Why It’s Smart to protect Your Older Truck Now
The longer a truck is on the road, the more likely it is to encounter wear-related issues. While preventive maintenance helps, it’s not foolproof. Investing in protection before issues arise is key to long-term savings.
Top Reasons to Get Older Truck Coverage:
- Avoid Financial Surprises: Major repairs can happen at any time.
- Boost Resale Value: Transferable plans make your rig more attractive to buyers.
- Extend Vehicle Life: Keep your truck running longer with covered repairs.
How to Get Started with Total360™
Protecting your older truck is simple. There are no complicated applications or hidden restrictions. Plus, our dealer portal makes the submission process quick and hassle-free.
- Step 1: Choose your coverage tier.
- Step 2: Add any optional packages (APU, hydraulics, etc.).
- Step 3: Start driving with peace of mind.
Don’t Let Age Limit Your Opportunities
Older trucks are often the backbone of the industry, and they deserve quality coverage. At Total360™, we provide affordable, flexible protection tailored specifically for older rigs. Whether you’re an independent owner-operator or managing a small fleet, we’re here to help you keep your assets rolling strong.
Ready to protect your older truck?
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