Insurance for an 18 year old

Discussion in 'Ask An Owner Operator' started by Tormentor, Feb 20, 2022.

  1. Tormentor

    Tormentor Bobtail Member

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    Still weird, that’s about what I valued it at too.

    Can’t imagine the quote would change that much for 500+ miles vs under 300 but maybe.

    Can you try putting your quote at 300 and see what it changes too, I’m curious.

    Thanks for the info on the trucks, that 2009 was priced pretty very well and has considerably low miles but doing a quick search shows that year of trucks does have some common issues with the turbos and DPFs do I suppose that’s why. I’ll look pre 2003
     
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  3. LoneRanger

    LoneRanger Road Train Member

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    Don’t ask me why I didn’t just SS from tablet and post from there. I’m just to lazy. I gave you two options. This was the lowest I could get it fiddling with the options.
     

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  4. Tormentor

    Tormentor Bobtail Member

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    Is that with 300 miles operating radius?

    They are probably assuming with 500+ that I’m interstate instead of intrastate... maybe?
     
  5. LoneRanger

    LoneRanger Road Train Member

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    no it’s 300.

    but do this. This conversation is speculation, best to call Progressive and get the rate from them first. Than if you think you can do better with an agent find a few and call em.

    the last part would be to pm me and I’ll give you a gals number in NY that deals with progressive. She’s good and helped me out when I first started. In fact her progressive quote was a bit less than what progressive quoted directly. Now that was my situation and it will be different for you. So take that into consideration.
     
  6. Tormentor

    Tormentor Bobtail Member

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    Here's how I have it set. Where it asks if I have insurance already I thought it meant commercial insurance, when I enter in that I do, it lowered the rate even more.

    Here's how I have it set:

    upload_2022-2-20_19-49-13.png
     
  7. Midwest Trucker

    Midwest Trucker Road Train Member

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    Back years ago when I had Progressive. Intrastate vs interstate and radius made huge differences. Which is why I suggest lowering to 200 or whatever the next step down is. Even 150. Might be able to save a lot of money.
     
  8. LoneRanger

    LoneRanger Road Train Member

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    that last question is suppose to be a yes and click less than year old.
     
  9. Tormentor

    Tormentor Bobtail Member

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    Oops, could have sworn I checked that. Went back and changed it - raised the quote by $35
     
  10. Tormentor

    Tormentor Bobtail Member

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    Just changed it to 200 miles and it dropped down to $33k

    upload_2022-2-20_20-36-16.png

    I still need cargo insurance but I doubt that will add more than another $1k per year.
     
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  11. LoneRanger

    LoneRanger Road Train Member

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    Never mind I see where your at.
     
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