PIB TIP: SHOP FOR INSURANCE. Don’t automatically include insurance in the final contract of a truck loan. Shop around beforehand, and you may opt to buy it elsewhere. Also, don’t sign up for credit life or credit disability insurance, which covers your truck payments if you die or become disabled, automatically. You likely can get the same type of policy on your own at a much lower rate. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.