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Insurance

Discussion in 'Ask An Owner Operator' started by Thetrashnoob, Jan 26, 2020.

Page 1 of 5
  1. Jan 26, 2020 #1
    Thetrashnoob

    Thetrashnoob Light Load Member

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    May 30, 2019
    0
    Looking for some help, trying to find insurance to start authority.
    Located in Massachusetts
    Progressive will quote it but it’s very highly
    Local agent is trying to get my quotes but so far the cheapest has been 20k for the truck, 2800 liability and another 20j for cargo.
    I haven’t called ooida yet as I’ve read they don’t work with some brokers
    Contacted northland waiting to hear back. anyone have any other suggestions on companies I can look into? There’s tons of companies but most wont work with me, because as usual the state is greedy and lame.


    Thanks
     
    Thetrashnoob, Jan 26, 2020
    Thetrashnoob, Jan 26, 2020
    #1
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  3. Jan 26, 2020 #2
    DUNE-T

    DUNE-T Road Train Member

    6,379
    14,985
    May 10, 2015
    Detroit, MI
    0
    Berkshire Hathaway
     
    DUNE-T, Jan 26, 2020
    DUNE-T, Jan 26, 2020
    #2
  4. Jan 26, 2020 #3
    Chinatown

    Chinatown Road Train Member

    68,301
    143,201
    Aug 28, 2011
    Henderson, NV & Orient
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    Chinatown, Jan 26, 2020
    Chinatown, Jan 26, 2020
    #3
  5. Jan 26, 2020 #4
    olddog_newtricks

    olddog_newtricks Medium Load Member

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    Jun 3, 2018
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    OOIDA was the cheapest for me. And it's true there are some who won't work with them. The biggest problem is the new rule change they have. New authorities covered by them can no longer hire a driver for your own truck unless you have been with them for 2 years. You can lease on an owner operator if he meets their requirements . Progressive was a little higher priced. My insurance agent said Berkshire Hathaway was so expensive not to bother. New authorities have some very limited options. Good luck.
     
    olddog_newtricks, Jan 26, 2020
    olddog_newtricks, Jan 26, 2020
    #4
  7. Jan 26, 2020 #5
    T One T

    T One T Bobtail Member

    34
    36
    Jun 25, 2019
    Illinois
    0
    Seems OOIDA loses out with a rule like that.
     
    T One T, Jan 26, 2020
    T One T, Jan 26, 2020
    #5
    VolunteerTrucker and olddog_newtricks Thank this.
  8. Jan 27, 2020 #6
    PE_T

    PE_T Road Train Member

    3,412
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    Jul 12, 2017
    Texas (trucking since 02/2013)
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    PE_T, Jan 27, 2020
    PE_T, Jan 27, 2020
    #6
    Dino soar Thanks this.
  9. Jan 28, 2020 #7
    Thetrashnoob

    Thetrashnoob Light Load Member

    242
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    May 30, 2019
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    Just got a quote back from a local agent. Liability,cargo and auto comes out to 25,000 for the year. Does that seem reasonable?
    I have a few other places I am waiting on quotes for. seems to be right in line with what I was expecting. After the first few years it should hopefully go down.
     
    Thetrashnoob, Jan 28, 2020
    Thetrashnoob, Jan 28, 2020
    #7
  10. Jan 30, 2020 #8
    T One T

    T One T Bobtail Member

    34
    36
    Jun 25, 2019
    Illinois
    0
    somehow that seems very unreasonable
     
    T One T, Jan 30, 2020
    T One T, Jan 30, 2020
    #8
  11. Jan 30, 2020 #9
    lester

    lester Midwest's #1 Feed Hauler

    2,816
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    Jan 2, 2012
    NW, Iowa
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    Holy moly. Are you planning to run national wide or just local? It's a lot cheaper if you only run a 150-200 mile radius.
     
    lester, Jan 30, 2020
    lester, Jan 30, 2020
    #9
    Dino soar Thanks this.
  12. Jan 30, 2020 #10
    Thetrashnoob

    Thetrashnoob Light Load Member

    242
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    May 30, 2019
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    A radius of 200 miles really limits your options. I don’t believe there was a radius but I would have to double check.
     
    Thetrashnoob, Jan 30, 2020
    Thetrashnoob, Jan 30, 2020
    #10
    PE_T Thanks this.
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