Insurance companies base your premium on several factors including your age, driving record, radius of operation, years of verifiable experience, what you are hauling, age of equipment, your previous claims experience, and CVOR (Ontario) to name a few. With so many variables and so many insurance companies rating individual operations differently, it’s important to find the best priced policy and needed coverages for you and have the correct fillings done if required, if your operation extends to the United States.