Question on truck insurance

Anyone uses or heard of Brands Insurance Co, out of Ohio? If so, are they a good insurance company to go with?

 

I called Brands this week and they had Progressive beat handily. Brands plolicy had unlimited mileage where as Progressive quoted 500 air miles from my house. The policy I was quoted also had a 15k gap protection built into it. They also had occupational accident for $130.00 a month.

 

They have lower rates, for new venture they quoted me $8800 for a year. Liability, Cargo and Physical Damage, but this a B+ rated insurance company. It will be hard to book load with them.

 

I need some help, got a quote today $13K for the year with $2600 down about $1100 a month for 10months.

1mill liability
100k cargo (reefer malfunction)
Unlimited miles

What do you think about this Quote, seem kind of high to me so I asked the agent to look around some more. I'll be running a reefer. 2003 Freightliner century with a 2004 utility trailer. Any help or suggestions would be greatly appreciated! Thanks in advance!

 

That's for ONE truck?

 

Yup, one truck and trailer! This will be my first year Independent, been driving for 10 years no accident, couple tickets few years back. Credit in the high 700. I've been an O/O leased to companies since 2007!.

 

In hauling crude in south Texas and I don't see rates like that.

 

So I'm assuming you agree it very high. Talked to my cousin couple hours ago. when he started his some years back, He went with progressive, said he put down $650 and paid about 600 a month. He was running flatbed and never went more than 500 miles away. I didn't think, I would get a quote like that but I thought it would be somewhere around 10k a year.