Insurance

Congratulations. Keep it up. The first year is the hardest but don't get complacent that will bite you on the booty too.

 

First year 14k
2nd 11k
3rd 9k
That's including truck collision coverage for 15k and trailer for 30k

 

It depends on ins. company, but most case scenarios, there will be something to make premium to go up, not down. Most look at
- Copy of current policy
- MVRs for all drivers
- Loss runs from the last 3 years from all insurance companies
- IFTA's
I'd advise you start looking for renewal at least 2-3mo before your exp. date. Oh and if you plan to google ins. companies, whatever you do, DO NOT do online quote and put in your contact info. You'll be busy with useless phone calls for a while if you do, rather, you call an agent/ agency of your choice.

 

350 a month for cargo insurance is awfully high. 100k cargo usually runs less than $1000 per year.

 

Depends on the Ins company they all look at things differently hence the value of a broker that can do business with a lot of Ins companies. They can match you to the Ins co that suits you best. I was paying $14k then switched brokers and overnight I was paying $7k......that was a 1998 KW. You can also try buying an old truck. The 1986 Pete in my sig is only $2k if I recall correct.

 

Ask some other brokers to quote it.