Insurance co and new drivers?

Discussion in 'Ask An Owner Operator' started by 2hellandback, Dec 26, 2010.

  1. MeatHead

    MeatHead Medium Load Member

    Sep 25, 2009
    You can't get around the radius restriction. They have an audit department and do check calls to the broker that they sent the insurance forms to. They also check your IFTA filing.

    You will also find that most brokers know that progressive has a radius restriction and either will not deal with you or will require progressive contact them directly for conformation that you are covered for this trip.

    I do would be interested in how you do it JustMike?
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  3. Blackjack

    Blackjack Light Load Member

    Sep 18, 2007
    Right on the Left Coast
    There's an ad at the top of the forum for a website called rigquote. They offer an instant online quote, and you have the option of picking a new venture and driver with 0-2 years of experience. You can also choose to limit yourself to 300 or 500 miles, or no limit at all. It takes about two minutes to get a quote.

    I've never actually talked to these people or gotten insurance from them, so I can't say for sure that it's legit. But the website does make it appear that they would insure drivers without experience.
  4. Scuba Steve

    Scuba Steve Light Load Member

    Jun 21, 2009
    Chicago IL
    I was in the same boat, cdl less then a year old and thought Progressive was the only way to go. Try calling Canal Insurance, I just recently obtained insurance through them, truck, trailer, and cargo, as well as unlimited miles, they were also the cheapest I found, hope that helps, if you have a strong enough will-there is a way.:biggrin_25525:
    Loose Leaf Thanks this.
  5. Justmike

    Justmike Bobtail Member

    Jan 11, 2011
    Thanks MeatHead !
    Well the 50 mile Radius came as a suprise to me because no one told me about it when I bought my policy >> But it caught my Eye Big Time when the rather strange looking Insurance Papers came to me IE:"Progressive "
    Got on the Phone with them and found you pay for upgrades >>
    Example $41 more gets you 150 mile Radius >> now that a PAY not a get around that's for sure.
    now the 10 % rule ( your allowed to go beyond the 50 mile mark 10 % of the time ) = some 32 times per year I believe >> That's 2.6 times per month >> so that's a consideration for some
    I did not see in the Policy where is states that " Your not insured " beyond 50 miles and that means something to a lawyer I believe.
    In fact I was told I am Insured anywhere in the USA !
    I believe there is a way around the Radius but have not found it yet >>
    Just my Guess ?? humm
  6. Hanadarko

    Hanadarko Independent Owner/Operator

    Oct 1, 2009
    Progressive WILL cover you outside the radius. What happens is if the see a claim beyond your approved radius they will dig. If they find you have a dedicated run (for example) and didnt tell them - they simply let you run your policy out and NON-RENEW you. Nice eh?

    I think Progressive will work with you, to a point. They are testing 'unlimited' radius right now in some states of customers (Georgia is one of them) and we might see this option in 2011. I like Progressive, since I suspend Collision unless I am running and that saves a ton. They have no issue with adding Collision for even a week at a time.

    Add, suspend...Add, suspend..Works nice and saves $$.

    RigQuote? :biggrin_25510: - Sorry guys....Not a winner even though they sponser this board.
    Find another source for insurance....I have tried to work with them 3 times and gave up.
  7. Justmike

    Justmike Bobtail Member

    Jan 11, 2011
    SO JD Hanadarko
    Just how do you do that ???
    " And there are easy ways to get around that stupid radius restriction."
    I would be interested to know ?
    Thanks in advance if you know ?
  8. Nootherids

    Nootherids Light Load Member

    Oct 28, 2010
    Woodbridge, VA
    There are many companies that will take new drivers, the problem is what state you're in. Not all companies operate in all states, or provide the same coverage options in all states. For example, I think you live in Florida. That state has ONLY ONE company which will insure drivers withe less than 1 year experience. And expect to pay about $12-$13k a year for the policy. I would recommend (if in Florida) that you call ... hhmmm, sorry not too familiar with forum policies but maybe I'm not allowed to give direct name and numbers on the thread. Someone correct me, or the OP can send me a PM and I will let you know.

    Canal insurance is a great option but they won't open policies in Florida. They are in a lot of other states too though which you could finagle your way into.

    Canal is also an A rated insurer while the Florida one is a C rated insurer. Some larger brokers know this and won't like it. But you gotta go with what you can get.

    No matter which way you go any insurer will prefer that there is at least one experienced driver as part of the company and as a driver of the truck.
  9. mitchtazz

    mitchtazz Road Train Member

    Sep 6, 2009
    Lake Wales, Fl
    i got out of the military, got my CDL (didn't go to school, just took the test an used someone's truck and trailer) and i got insurance with Mega Trux.. it's high, but i dont have a radius, or any restrictions.
  10. FZ37

    FZ37 Light Load Member

    Oct 15, 2010
    (Southern) Virginia
    Cool i been digging for ins. as a new driver for a O/O as a team sox a lot sounds like i may have some luck? Thanx a lot all!
  11. MeatHead

    MeatHead Medium Load Member

    Sep 25, 2009
    Your best bet is to just plain call the insurance companies and get a quote instead of asking on here. There are a ton of variables that will effect your cost and if they will even take you on.
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