O/O Insurance with no experience

Discussion in 'Ask An Owner Operator' started by madd dogg, Jan 26, 2017.

  1. Jamael Nettles

    Jamael Nettles Bobtail Member

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    Jan 12, 2019
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    This is a exactly what I did. Progressive insures me. It’s a little high, because I’m risking having zero experience, but I have insurance ‍♂️ I’m six months into flatbeding now
     
    Dpalmer23 Thanks this.
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  3. Dpalmer23

    Dpalmer23 Bobtail Member

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    Mar 6, 2019
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  4. danny23tx

    danny23tx Road Train Member

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    Feb 16, 2016
    Austin,Tx
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    Well I had to get Progressive when I started and price did drop after the first year. Going into my 3rd yr they increased my rate , no accidents no claims . Currently shopping around and have already received some good rates , holding off for a couple more quotes.
     
    HopeOverMope Thanks this.
  5. marpolsdofer

    marpolsdofer Light Load Member

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    Apr 7, 2015
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    I had something like that happen to me. When I stared out I used a local agent that used auto owners. I had several years military experience and only a few months driving for Speedy. They gave me a way better rate then Progressive but not as good as it could have been.
    The first,second, and third year my rates did not drop. Then my agents calls me, after the policy is up they will not renew it. Auto owners wanted to raise my rates almost 25% for nothing.
     
  6. G2019

    G2019 Bobtail Member

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    Mar 12, 2019
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    Great answer. I’m looking to purchase my truck and obtain my cdl first of course. If I get my motor carrier which insurance should I get? I have no experience either and will get my cdl’s by self study. What route should I take? You could inbox me on Facebook under Chad Glover from statesville,NC if you’d like.
     
  7. LoJackDatHo

    LoJackDatHo Medium Load Member

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    Jan 26, 2017
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    I hope you have family or friends in the trucking industry that will be helping you get started. You don’t even have a CDL yet, but are going right in to being an Owner Op. I don’t mean to sound negative or crass but you gotta crawl before you walk, and walk before you run. You are talking about a big investment. Truckn is a lot more than getting a CDL and truck and going to work. Again I don’t know your situation. You might have grown up around truckn, but it doesn’t sound like it. Sorry for rambling. Answer to your question. Get CDL. Try to find small company or O/O willing to teach you the ropes of the business. Evaluate to see if you even like truckn. If after a couple years you do like it, then buy a truck and trailer, get your own authority and go at it. I was lucky. I grew on a farm, which in turn put me around truckn. When I decided to make truckn my career I eventually started working for an O/O who taught me how to run the business. He even started letting me book my own loads with his truck. His knowledge let me feel comfortable about buying my own. Been at it for 12 years and it’s been good. Good luck to you.
     
  8. Ultra Wagon

    Ultra Wagon Bobtail Member

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    Apr 9, 2017
    South Fla.
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    Everything this man says is true. Getting a CDL only gets you in the door to learning about trucking. No school can dial you in to the reality of life as a truck driver. This job runs you through the wringer backwards and will eat up most folks in short order.
     
    LoJackDatHo Thanks this.
  9. Staynalive

    Staynalive Bobtail Member

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    Apr 19, 2019
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    I’m about to do the same, purchase a truck, get insured with no experience. How do you go about getting loads? Which load boards and will they except no experience or is it even mentioned.
     
  10. alek2001

    alek2001 Bobtail Member

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    Apr 27, 2018
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    Insurance is screwing me because of credit score but what trucker has a 700 plus! And I have no experience, truck is paid off just ridiculous. I knew what I was getting into but 50k a year is extortion.
     
  11. Allankar

    Allankar Bobtail Member

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    Mar 10, 2021
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    I would like to know if you insures new drivers (cdl )with a 7 month of Experience.
     
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