Hi there.. does anybody have insurance with OOIDA for flatbed? If so? how much are you paying monthly? Im about to go on my own and I thought about OOIDA insurance since all the insurance brokers around me (CA) are quoting me at around $4100-$4300 down and $1200-$1400 monthly payments? Of curse for the 48 states. Is this normal? Im pretty much a "new venture" been driving for about 14 years but I decided to fly on my own in the flat bed industry.