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Affordable insurance

Discussion in 'Ask An Owner Operator' started by Laatl8, Jun 19, 2023.

Page 1 of 2
  1. Jun 19, 2023 #1
    Laatl8

    Laatl8 Bobtail Member

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    Feb 10, 2021
    0
    So I have my eyes on an 05 Volvo. They’re asking less than $25k for it. I’m trying to price insurance to run under my own MC. I knew starting it out that it would be high. But $50k a year from progressive for the basic insurance requirements that Amazon asks for? Crazy. I’m in Atlanta, I know all insurances are higher here but ####. How did you guys start out?
     
    Laatl8, Jun 19, 2023
    Laatl8, Jun 19, 2023
    #1
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  3. Jun 19, 2023 #2
    RunningAces

    RunningAces Road Train Member

    1,298
    2,577
    Jul 2, 2017
    0
    Holy crap! Do you have bad credit, accidents, DUI, reckless driving conviction, or plan on hauling nuclear waste? I only ask because that's the highest I've seen anyone mention here. Even the Florida guys are laughing at you.
    Seriously, something is wrong if you got a quote that high.

    PS, a truck that old is going to #### you sideways.
     
    Last edited: Jun 19, 2023
    RunningAces, Jun 19, 2023
    RunningAces, Jun 19, 2023
    #2
    Siinman and W923 Thank this.
  4. Jun 19, 2023 #3
    Chinatown

    Chinatown Road Train Member

    76,985
    179,716
    Aug 28, 2011
    Henderson, NV & Orient
    0
    Look at Canal Insurance.
    Don't know if Amazon accepts it or not.
     
    Chinatown, Jun 19, 2023
    Chinatown, Jun 19, 2023
    #3
  5. Jun 19, 2023 #4
    D.Tibbitt

    D.Tibbitt Road Train Member

    22,284
    153,293
    Apr 26, 2013
    Gettin' down westbound
    0
    Thats crazy. Paid 18k my first year with progressive..
     
    D.Tibbitt, Jun 19, 2023
    D.Tibbitt, Jun 19, 2023
    #4
    God prefers Diesels and Siinman Thank this.
  7. Jun 19, 2023 #5
    lester

    lester Midwest's #1 Feed Hauler

    2,935
    7,940
    Jan 2, 2012
    NW, Iowa
    0
    If staying local, think 150 or 200 air miles, it's usually way cheaper than an OTR type of operation.
     
    lester, Jun 19, 2023
    lester, Jun 19, 2023
    #5
    RubyEagle and W923 Thank this.
  8. Jun 19, 2023 #6
    Short Fuse EOD

    Short Fuse EOD Road Train Member

    2,786
    8,739
    Jul 29, 2015
    Midwest
    0
    Insurance is going up, gotta keep up with inflation. Everything gone up 30-50% Why not insurance. Shoot my mid policy change was brutal. Went up 100% Well, at least it’ll put the 2 dollar a mile guys packing…
     
    Last edited: Jun 19, 2023
    Short Fuse EOD, Jun 19, 2023
    Short Fuse EOD, Jun 19, 2023
    #6
    Siinman Thanks this.
  9. Jun 20, 2023 #7
    Laatl8

    Laatl8 Bobtail Member

    31
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    Feb 10, 2021
    0
    that’s what I was thinking. My fico is around 680. Maybe I should wait until it’s higher but idk. They quoted me before even asking for my license number.
     
    Laatl8, Jun 20, 2023
    Laatl8, Jun 20, 2023
    #7
  10. Jun 20, 2023 #8
    RubyEagle

    RubyEagle Medium Load Member

    632
    790
    Apr 17, 2010
    0
    Atlanta is one.of the worst markets. You could move to NC or.SC much cheaper l heard
     
    RubyEagle, Jun 20, 2023
    RubyEagle, Jun 20, 2023
    #8
  11. Jun 20, 2023 #9
    LOTSO

    LOTSO Heavy Load Member

    833
    2,008
    Mar 28, 2023
    0
    I hope you know that Amazon won't even use you until your MC is AT LEAST 6 months old. So even if you get insurance, you're not working for Amazon.
     
    LOTSO, Jun 20, 2023
    LOTSO, Jun 20, 2023
    #9
  12. Jun 20, 2023 #10
    Short Fuse EOD

    Short Fuse EOD Road Train Member

    2,786
    8,739
    Jul 29, 2015
    Midwest
    0
    I am probably wrong here. But some part of me wonders, if the insurance companies are trying to make up losses from customers that bailed. That would be very short sighted and will take things worse. But if you can keep that stock price up a little longer..
     
    Short Fuse EOD, Jun 20, 2023
    Short Fuse EOD, Jun 20, 2023
    #10
    Siinman Thanks this.
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