What would be the best path?

Why is you're insurance so high for another 4 years?

 

The megas LEASE their trucks. Trading in every 3 or 4 years.

 

Get a decent truck at 40 50, 60 they're good truck, fleets do the same thing u r doing, less payment, better to go with fuel mileage and keep some money for repair, u r going to repair a new truck just as much as the one u buy, just get it mechanically checked out, international should be having their yearly sale check out last years

 

Everybody likes to say this but it's just not true. You definitely will not be repairing a new truck as much as an old truck. Sure, there are some lemons out there but overall you'll have far fewer breakdowns in a new truck.

 

Who said anything about fleecing. BRO?????

You're talking about buy and trading it in.

The megas lease. Just like any consumer leases their cars.

 

I think people don't get what the difference is in leasing

Most are so convinced that it means lease purchase.

 

I just bought a 2020 T680 X15 with 5 yr 500k engine warranty for $149,001. I’d be highly surprised if you find a new KW or Pete any cheaper then that. New is a good option if you have the money which sounds like you must.

Otherwise, I’d buy a few yr old truck with a Cummins and around 250 to 300k miles and then buy Cummins Encore warranty for 2 yrs 200k. After that runs out I’d rinse and repeat or buy new if your confident in your business at that point. The one downside to buying a few yrs old is you wouldn’t get the X15 I wouldn’t think. It hasn’t been out long enough. The X15 does get better mpg and has been very dependable. You’d just have to look around, maybe you could find an X15 used.

The used route might be a better idea if things don’t go as you hope they will. There would be less depreciation in value for sure. Only buy new if your very confident in your success or have a proven track record.

I run under my own authority and prefer that but maybe finding a good place to lease on and get experience wouldn’t be so bad. Especially if you will have insurance problems. Best thing to do there is to call around and see how bad it’s gonna be. In theory you won’t make as much money being leased on but that really depends where you lease on and how good you would be at booking your own loads if you had your own authority.

I understand your freedom is most important but first being successful must come before that.