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Insurance Question Berkshire vs Progressive

Discussion in 'Ask An Owner Operator' started by roadslave201, Oct 3, 2018.

Page 3 of 3
  1. Oct 4, 2018 #21
    DSK333

    DSK333 Road Train Member

    2,413
    2,756
    Jan 27, 2018
    Pennsyltucky
    0
    Agreed. I never said any of those details in my post though. Not sure how you got the impression I was hauling something "cheap". My only point was being able to get a Certificate Holder added instantly via me instead of an agent holds tremendous value for my operation. Please refrain from blaming me for low rate conditions. Maybe ask for details first? Then feel free to crucify me by all means because if I am doing some negative business practices corrective/positive advice/suggestions are always welcome.
     
    DSK333, Oct 4, 2018
    DSK333, Oct 4, 2018
    #21
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  3. Oct 4, 2018 #22
    Moephilly1

    Moephilly1 Light Load Member

    111
    35
    Oct 6, 2016
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    Where are you based out of? I got a new authority I have a crystal clear mvr and I couldn’t find anything cheaper than 18k a year same coverage as you and also 2500 deductible
     
    Moephilly1, Oct 4, 2018
    Moephilly1, Oct 4, 2018
    #22
  4. Oct 5, 2018 #23
    roadslave201

    roadslave201 Bobtail Member

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    Oct 3, 2018
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    Im in the Midwest Arkansas border and all my quotes have been unlimited miles. The quotes say 'Radius over 500' miles. I actually shopped several brokers and found the same exact insurance $300.00 cheaper through another agent. I will be hauling steel so they said my rate will be a little higher, last quote was $8312.
     
    roadslave201, Oct 5, 2018
    roadslave201, Oct 5, 2018
    #23
  5. Oct 5, 2018 #24
    roadslave201

    roadslave201 Bobtail Member

    11
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    Oct 3, 2018
    0
    Im on the Arkansas border. Maybe its my equipment? I paid cash for my truck and trailer and have fixed it up real nice over the last year. I am only putting a value of $ 20,000 on my tractor. I have 30 years driving someone elses truck without a single ticket or accident on my record. I have crunched numbers for 2 years now and feel i have my operation down to the penny even though i haven't even hit the road yet. I have found one customer through a family member in the shipping dept and will be using the spot market to get back to him. If that fails i will run just the spot market.
     
    Last edited: Oct 5, 2018
    roadslave201, Oct 5, 2018
    roadslave201, Oct 5, 2018
    #24
  7. Oct 5, 2018 #25
    RSB34

    RSB34 Light Load Member

    277
    198
    Feb 9, 2013
    ny.
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    That's a pretty good rate. I'm at that number also but 500 miles I drive north east and live in central Ny. In Ny you get limited on who you can use. I guess they think the whole state is city. Or too many corrupt polititions.
     
    RSB34, Oct 5, 2018
    RSB34, Oct 5, 2018
    #25
    Cat sdp Thanks this.
  8. Oct 5, 2018 #26
    pullem

    pullem Bobtail Member

    22
    21
    Jan 17, 2018
    USA
    0
    We've had Progressive for 1yr and it's been smooth sailing. We've had to add trailer interchange, general liability, etc. and it's always quick turnaround (within an hour). Our authority cost double, but u have a better profile, so I'm sure it matters.
     
    pullem, Oct 5, 2018
    pullem, Oct 5, 2018
    #26
  9. Oct 5, 2018 #27
    roadslave201

    roadslave201 Bobtail Member

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    Oct 3, 2018
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    Did you ever find a decent umbrella coverage? I went back to my agents office and at his advice i think i will be raising my General liability to 2 million its very very cheap
    I have been leaning toward Berkshire. I like the fact they let you make payments without any additional cost. However im prepared to pay the full premium all at once. My agent likes Progressive because he can write me Downtime and Rental reimbursement while Berkshire does not offer that. He also said Berkshire charges $250 if you need to add an additional Insured and Progressive is only $25.00.
     
    roadslave201, Oct 5, 2018
    roadslave201, Oct 5, 2018
    #27
    DSK333 Thanks this.
  10. Oct 5, 2018 #28
    RSB34

    RSB34 Light Load Member

    277
    198
    Feb 9, 2013
    ny.
    0
    $250 that's nuts I thought $25 was bad. That down time and rental is not what it's cracked up to be. They have denied me every time I tried to get it.
     
    RSB34, Oct 5, 2018
    RSB34, Oct 5, 2018
    #28
    roadslave201 Thanks this.
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