Do I have to hire a driver before applying for trucking insurance?

Discussion in 'Ask An Owner Operator' started by sjclement95, Jan 5, 2020.

  1. sjclement95

    sjclement95 Bobtail Member

    Nov 4, 2019
    Do I have to hire a driver before applying for insurance to list him on the policy for a quote?
  2. fishonron

    fishonron Light Load Member

    Jul 25, 2017
    North Central Kansas
    No you do not...

    Just call your agent with all of the driver info that they request and truck info he/she will be driving to get a quote.
  3. New-to-the-game

    New-to-the-game Bobtail Member

    Jan 5, 2020
    I've been looking for insurance for a E450 and I was told I had to have the driver listed and his CDL info. before I could get a quote. Also that as owner, I would have to be listed as well and go get my CDL (and have for 2yrs) before I could get insurance?!

    I went to Progressive and was not told ANY of that!
  4. npok

    npok Light Load Member

    Sep 26, 2015
    Go ask that agent how a corporation can hold a CDL.

    If you were told that in the context of you being an O/O (driver, in other words), then fine, that's probably just bad communication.

    If that was said meaning ANY owner, driving or not, you might get the doc to check your butt for smoke damage from all the stuff you had blown up there. And find a different agent.
    x1Heavy Thanks this.
  5. x1Heavy

    x1Heavy Road Train Member

    Mar 5, 2016
    White County, Arkansas
    When agents don't hang up and begin to expound on what things you cannot do without, its time to find another agent.

    Keep in mind, one driver is pricey.

    Two drivers, particular YOU being brand new CDL holder because agent told you so will need a time to discover that agent has successfully increased their revenue from you each month in policy bills.

    They only care what money you pay them. Everything else is smoke and mirrors designed to maximize that.
  6. Chubby Fly

    Chubby Fly Light Load Member

    Nov 25, 2019
    Yes, if you want insurance, you will need to be insured. You wont be able to get insurance at all without a primary driver. YOu need to have an insurance agent,. its worth the few hundred bucks. They go to bat for you and get you the insurance. As a new company, no one will take you on. Most likely it will be progressive. How can they give you an insurance qoute with nonone listed and research a background? they need a foundation. Progressive takes gambles on people with minimal cdl background and their rates arent bad. Once you get accepted, you can ad drivers and they will qoute you the addtional rate charges for said added driver. I had a driver ran and once givin the drivers license number, they researched the driver history and came back with the negative background on that driver. i was qouted rediculous rates do to the background. See how that works.
    x1Heavy Thanks this.
  7. Chubby Fly

    Chubby Fly Light Load Member

    Nov 25, 2019
    no offense but i dont think you have ever been a owner opertaor. Thats not how it works when starting out on a small trucking bussiness when shopping for insurance. You have an opinion on how you think it should work but thats not gonna help the poster in this thread
  8. Midwest Trucker

    Midwest Trucker Road Train Member

    Aug 31, 2018
    Jesus take the wheel...
    starmac Thanks this.
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