Insurance

It's going to depend on how your insurance company looks at it. If there wasn't an accident or any claim involved that's a plus. I'd call them and ask them.

 

My insurance has really never gone down, but at least it hasn't gone up which is a blessing. I'd still talk to my insurance company. You can always have them re-rate you since it's based on credit rating whether they admit it or not. You can always shop around too. I do it and it's a good thing to do. I've saved money over the years that way. Below I added a link I thought you might be interested in since it's about load securement including without a headboard.
headache racks | DOT / CSA Insights: Success Ahead

 

Well 7 points are horrible to have on your license and your rates are reflecting that. I don't know how new your equipment is or who your insurance is through or what you haul but that's a bit high in mho. Mine is about $4,800.00 per year for one truck one brand new trailer one driver

 

I'd talk to Progressive Commercial and get a quote from them cause that's a pretty high rate. My total insurance isn't $10,000 a yr about the same coverage as you have.