Insurance Quote

Discussion in 'Ask An Owner Operator' started by Beaver9, Jan 25, 2022.

  1. Long FLD

    Long FLD Road Train Member

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    The carrier I’m leased to uses Great West for liability and cargo and I also use them for my truck insurance. They’ve never asked me where I drive my truck. I suspect Progressive does because they allow new authorities and how many of them say they stay in a 300 mile radius to keep their premium low?
     
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  3. Beaver9

    Beaver9 Heavy Load Member

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    That is why I didn't submit. I don't trust the agent. Last time she told me to make a change it made my insurance higher. Why? I think they want to upsell. They really want your costs higher unless you are leaving and getting insurance with another.

    She's telling me she is checking for better rates. It didn't work out the last time.
    I will contact another agent for Northland and check with them directly or through another agent. And I will add Great West to the list.
     
    Last edited: Jan 26, 2022
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  5. wis bang

    wis bang Road Train Member

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    I always need the past 4 quarters IFTA breakdown at renewal.

    We are 80% NJ, 10% NY and 10% spread from MD, DE, PA, CT, RI, MA and you can bet if does factor into our rates.

    Funny how those rich urban areas result in incidents with higher end automobiles, we almost never hit a Kia or a Hyundai...
     
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  6. wis bang

    wis bang Road Train Member

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    This is where having an independent broker pays off. Even when it looks 100% that a carrier will renew; he still has a couple quotes as back up.
     
  7. Beaver9

    Beaver9 Heavy Load Member

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    They should ask for the IRP since it shows the percentage of each state. They should ask for that instead of IFTA breakdowns.
    I will trust my gut and check with another agent.

    My insurance quote with Progressive isn't bad. I'll keep that if I won't get better.
     
  8. Beaver9

    Beaver9 Heavy Load Member

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    I was told by another agent that Northland does usually require the state breakdown. Great West might ask for it.
    So, I did send a copy to a different agent.
     
  9. wore out

    wore out Numbered Classic

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    IRP miles and IFTA are the same miles......
     
  10. TallJoe

    TallJoe Road Train Member

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    What's the big deal about the IFTA miles? There is nothing secretive about it. It is not like you disclose your private life or your patent ideas. You show the miles you travel in each state per quarter - which something you have to report to the state, anyways.
     
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  11. Beaver9

    Beaver9 Heavy Load Member

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    Would you change to Northland to save $400? The good thing about Northland is that you don't have to pay in full to get a lower rate. With Progressive I need to pay in full. But I was prepared for it already.
     
  12. Beaver9

    Beaver9 Heavy Load Member

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    That I know. But IRP shows percentage. I guess someone can calculate the percentage from IFTA reports themselves.
    But IFTA provides more details.
     
    Last edited: Jan 26, 2022
  13. Beaver9

    Beaver9 Heavy Load Member

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    I just don't want others to pick up my lane. LOL
    The agent knows other truck drivers I know. Would they sell the info to other drivers? Yes, that is actually my main concern.
    You don't see people here bragging about the lanes they run. An agent working with drivers who also does all paperwork for some of the firms might be telling other drivers where to run. You know Chicago is small in that regard. You are in the midwest.
    I'm sure that is just me worrying for nothing since they most likely have seen it all.
     
    Last edited: Jan 26, 2022
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