Starting to think about replacing my truck

The insurance you are referring to is liability I am guessing, not comprehensive and collision which is also required on any truck that is financed.
The $10k number has to be for liability, which shouldn't change, and might go down if you buy a brand new truck with all the bells and whistles favored by the insurance industry, lane departure, and braking systems. You agent can quote you for that.
the comp and collision coverage is directly pegged to the "book" or market value of the truck at the time of the loss. So a new truck, $175,000 might have an annual premium of , I am guessing here, $4000 year, a truck that is 6 years old and worth $50K, the premium for that coverage might be $2000 year.
Again, your agent can give you firm numbers easily.
I don't think anything changes outside of the costs of operation of the truck itself. Maintenance might go down dramatically for the first several years, then explode or not, all depending on the reliability of the emissions systems, which are getting better and better with every model year. Fuel mileage might be better than what you are getting now.

 

Truck insurance doesn’t work that way. $10k is probably what he’s paying for everything.

 

Only thing that will go up is your profitability with a new truck. Why not a 680 KW?

 

Btw IMO you could get a new KW for 150k without the nanny stuff. I doubt insurance would change much. With duel you need something that can get mpg and be reliable. Especially with parts shortages happening.

 

I don’t blame you a bit. I had three reefers finally come online today. I have the two 680’s building in August. I was just thinking today if maybe I should place truck and trailer orders now for next year.

 

Depending who you call, I need 2 567’s to be built and most dealers are telling me they will start in March 2022.

I found 1 guy who could possibly squeeze these trucks in to arrive to me October / December of this year.