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First year MC# and insurance costs?

Discussion in 'Ask An Owner Operator' started by Arky, Apr 5, 2024.

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  1. Apr 6, 2024 #11
    Arky

    Arky Heavy Load Member

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    After looking at it quite a bit, I think it's not showing general freight. I think it's just showing me as basicly farm use or something.
     
    Arky, Apr 6, 2024
    Arky, Apr 6, 2024
    #11
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  3. Apr 6, 2024 #12
    Diesel Dave

    Diesel Dave Last Few of the OUTLAWS

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    You said it was written for aggregate earlier. Seriously, you don’t even know what you have. Hopefully if you ever file a claim, whatever or whoever you have for a carrier, covers your claim. Even though I highly doubt it. Goodluck to you.
     
    Diesel Dave, Apr 6, 2024
    Diesel Dave, Apr 6, 2024
    #12
    Siinman Thanks this.
  4. Apr 6, 2024 #13
    W923

    W923 Road Train Member

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    Why couldn’t it be…last I checked the minimum was 750k and I do know the premium is fairly linear until 2-2.5mill from talking with my insurance man. Point being 1 mil vs 750k isn’t going to be a massive price increase….probably 15-30 percent
     
    W923, Apr 6, 2024
    W923, Apr 6, 2024
    #13
  5. Apr 6, 2024 #14
    snowwy

    snowwy Road Train Member

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    My quote was 7500 for 750k I believe. It might have been the 1M.

    For hauling aggregate and possibly tanker. Non hazmat. Locally.
     
    snowwy, Apr 6, 2024
    snowwy, Apr 6, 2024
    #14
  7. Apr 6, 2024 #15
    Arky

    Arky Heavy Load Member

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    Yes, I did because I originally had it as aggregate. I attached the grain trailer yesterday.. Mayne they switched it? On the front page it still shows aggregate, in the details it shows farm/livestock and grain. But I tell ya what.. Thanks for your snarky input. I'll bet large dollars I'll still be floating when your sinking
     
    Arky, Apr 6, 2024
    Arky, Apr 6, 2024
    #15
  8. Apr 6, 2024 #16
    Diesel Dave

    Diesel Dave Last Few of the OUTLAWS

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    I’ll take that bet….. been in this game since 1979. And for the snarky or arrogant answer, if you can’t handle a little criticism…..sorry if I HURT your feelings Pal. ;)
     
    Diesel Dave, Apr 6, 2024
    Diesel Dave, Apr 6, 2024
    #16
    Siinman Thanks this.
  9. Apr 6, 2024 #17
    Arky

    Arky Heavy Load Member

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    You being a trucker since 79 is why I know I'll out float ya..lol
     
    Arky, Apr 6, 2024
    Arky, Apr 6, 2024
    #17
  10. Apr 6, 2024 #18
    Rideandrepair

    Rideandrepair Road Train Member

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    Why not just get a quote? 100k cargo isn’t much. It’s the 1 mil. Public liability that’s expensive. I was paying $9200 per year. My replacement value coverage was about half of yours.
     
    Rideandrepair, Apr 6, 2024
    Rideandrepair, Apr 6, 2024
    #18
  11. Apr 6, 2024 #19
    Arky

    Arky Heavy Load Member

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    The quotes don't always hold true. They told a friend his would go up some.. he went from 12k/yr to 24k.. I don't know all the details but I think he got it back down some. That was local!
     
    Arky, Apr 6, 2024
    Arky, Apr 6, 2024
    #19
  12. Apr 6, 2024 #20
    Arky

    Arky Heavy Load Member

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    The numbers I'm quoting is what I already have. 1m liability 100k cargo 1k deductibles, etc.

    I did ask and she said it wouldn't change that much if I got my MC and went interstate. I just don't want to flip the switch and find out it was and expensive switch. I have the option of not doing it at all
     
    Arky, Apr 6, 2024
    Arky, Apr 6, 2024
    #20
    W923 Thanks this.
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