Cheapest Owner Operators Truck Insurance Cost DeSoto, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost DeSoto, Texas. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies DeSoto, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in DeSoto, Texas in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
DeSoto is a city in Dallas County, Texas, in the United States. DeSoto is a suburb of Dallas and is part of the Best Southwest area, which includes DeSoto, Cedar Hill, Duncanville, and Lancaster.
The area was first settled in 1847, making it one of the oldest communities in North Texas. A post office was established in 1881, and the settlement was named DeSoto in honor of Thomas Hernando DeSoto Stewart, a doctor dedicated to the community. By 1885, DeSoto was home to around 120 people, a cotton gin, and a general store. Soon after, the population declined to below 50. In 1930, 97 people were living in the community, with several businesses.
After World War II, DeSoto and surrounding areas began to grow. To improve the inadequate water distribution system, residents felt the need to incorporate the town. On February 17, 1949, a petition signed by 42 eligible voters was presented to the Dallas County judge requesting an election for incorporation. The vote took place on March 2. Of the 52 people who cast ballots, 50 voted in favor of incorporation and two were opposed. On March 3, 1949, the results were entered into the records of the Dallas County Commissioners Court, thereby creating the City of DeSoto. The new city was less than one square mile in size. On March 15, Wayne A. Chowning was elected mayor along with five aldermen. The first city council meeting was held two days later.
The first census conducted after DeSoto’s incorporation occurred in 1950. eight businesses and 298 people were in the city. Following a series of annexations in 1953, the city covered around 15 sq mi (39 km). By 1960, the population had grown to 1,969. In 1970, DeSoto was home to 6,617 people and 71 businesses.
During the 1970s, continued growth brought about improvements to the municipal infrastructure, including road construction, and a new water/sewage system. Industrial, commercial, and residential construction also increased. On October 26, 1974, an election was held to determine the status of Woodland Hills, a small, incorporated community located northwest of DeSoto. The result was 221 votes in favor of a merger with DeSoto and 219 opposed. Woodland Hills had a population of 366 at the time of annexation. The rapid growth that began in the early 1970s was sustained throughout the 1980s; 1980 census figures put the city’s population at slightly over 15,000. By 1984, DeSoto had a total of 360 businesses, up from 168 in 1980.
The population surpassed 30,000 in 1990. City development progressed in the following years. A primary example of this was the creation of DeSoto’s Town Center. Officials converted an abandoned strip center located at one of the city’s main intersections into a unique central business district. Since its opening, the Town Center has become an anchor of the community, housing city hall, the public library, a civic center, recreation cente, and a 180-seat auditorium and outdoor amphitheater.
Throughout the 1990s, DeSoto experienced a significant change in the demographic composition of the city. In the 1990 census, Whites comprised 75.97% of the city’s population, but that figure had declined to 48.83% in the 2000 census, and 17.4% non-Hispanic White by 2010. By contrast, the African American population grew rapidly. In 2000, African Americans were 45.53% of the population, up from 20.83% in 1990. Hispanics accounted for 4.98% of the population in 1990 and 7.30% in 2000. With roughly 45,500 residents as of 2005, DeSoto is the largest and most diverse city in southwest Dallas County.
On June 11, 2006, the National Civic League named DeSoto an “All-America City”. The All-America City Award is the nation’s oldest community-recognition program and recognizes communities whose citizens work together to identify and tackle community-wide challenges and achieve uncommon results.
A 2015 article related a growing trend of largely middle class and educated African Americans moving to DeSoto.
DeSoto is located at 32°35′57″N 96°51′32″W / 32.59917°N 96.85889°W (32.599286, −96.858828).
According to the United States Census Bureau, the city has a total area of 21.6 sq mi (56 km), all of it land.
As of the 2020 United States census, 56,145 people, 19,041 households, and 13,093 families resided in the city.
DeSoto is a home-rule city with a council–manager form of government. Under this type of local government, the day-to-day management of the city is directed by a city manager, who is appointed by the city council and serves as chief administrative officer for the city. The city charter states this position will execute the laws and administer the government of the city.
The city council consists of the mayor and six council members. The mayor represents the city as a whole and six council members represent particular districts (places) within the city. All are elected citywide for a term of three years with a limit of two terms.
Most of DeSoto lies within the DeSoto Independent School District. The district has 12 schools (seven elementary schools, three middle schools, a high school, and a freshman campus) that serve about 8,000 students. The district’s mascot is the eagle. A small portion of the city is located in the Duncanville Independent School District. Another small portion is in the Dallas Independent School District.
Dallas County residents are zoned to Dallas College (formerly Dallas County Community College).
Several private and parochial schools are in or near the city.
The Focus Daily News is a daily newspaper published in DeSoto, covering Dallas County. It is owned by Publishers Newspapers. It was founded in 1987, and has a daily circulation of 28,065 and a Sunday circulation of 36,297 as of 2012.
The city of DeSoto jointly owns the DeSoto Heliport with the Texas Department of Transportation and the DeSoto Economic Development Corporation.
The facility is operated by SKY Helicopters.