Cheapest Owner Operators Truck Insurance Cost East Gadsden, Alabama
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost East Gadsden, Alabama. 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 East Gadsden, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in East Gadsden, Alabama 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.
Gadsden is a city in and the county seat of Etowah County in the U.S. state of Alabama. It is located on the Coosa River about 56 miles (90 km) northeast of Birmingham and 90 miles (140 km) southwest of Chattanooga, Tennessee. It is the primary city of the Gadsden Metropolitan Statistical Area, which has a population of 103,931. As of the 2020 census, the population of the city was 33,945.
In the 19th century, Gadsden was Alabama’s second-most important center of commerce and industry, trailing only the seaport of Mobile. The two cities were important shipping centers: Gadsden for riverboats and Mobile for international trade.
From the late 19th century through the 1980s, Gadsden was a center of heavy industry, including the Goodyear Tire and Rubber Company and Republic Steel. In 1991, following more than a decade of sharp decline in industry, Gadsden was awarded the honor of All-America City by the National Civic League.
The first substantial European-American settlement in the area that developed as Gadsden was a village called “Double Springs”. It was founded in about 1825 by John Riley, a mixed-race American Indian and European-American settler who built his house near two springs. Riley used his house for a stagecoach stop on the Huntsville-to-Rome route. The original building still stands as the oldest in Gadsden.
The house was purchased by brothers Gabriel and Asenath Hughes in 1840. The Hughes brothers purchased much of the land between Lookout Mountain, the Coosa River, and the mouth of Wills Creek. The brothers proposed constructing a railroad from the port of Savannah to Nashville, Tennessee through their land. The original 120 acres (49 ha) survey of Gadsden included the Hughes brothers’ land, plus that of John S. Moragne and Lewis L. Rhea.
On July 4, 1845, Captain James Lafferty piloted the steamboat Coosa to the settlement. He landed near the site where the Memorial Bridge was built. The Hughes brothers suggested renaming the town as “Lafferty’s Landing”, but residents adopted “Gadsden” in honor of Colonel James Gadsden of South Carolina. He later was noted for negotiating the United States’ Gadsden Purchase from Mexico.
In 1867, after the American Civil War, the legislature organized Baine County; Gadsden was incorporated and made the county seat. After a constitutional convention, the new legislature dissolved Baine County in 1868 and renamed it as Etowah County. Gadsden retained its standing as county seat.
By the late 19th century, Gadsden had developed as a major river port on the Coosa River, and was second to Mobile, a seaport on the Gulf Coast, in importance. It also developed as a center of heavy industry.
With unionization, industrial workers could earn middle-class salaries and improve their lives, even as African Americans struggled under Jim Crow laws and political disenfranchisement. The city reached its peak of population in 1960.
Affected by the national restructuring of railroads and heavy industry, most of Gadsden’s major industries closed in the 1970s and 1980s. The city lost many jobs and much population, and began to decline. The city government has struggled to manage the transition to a different economy, just as numerous other industrial cities had to do.
Redevelopment efforts, such as the Cultural Arts Center and downtown revitalization, earned Gadsden first place in the 2000 City Livability Awards Program of the US Conference of Mayors. Underemployment continues to be a severe problem, as indicated by the economic data presented below.
Gadsden is located in central Etowah County at 34°0′37″N 86°0′37″W / 34.01028°N 86.01028°W (34.010147, −86.010356), and developed on both sides of the Coosa River. According to the U.S. Census Bureau, the city has a total area of 38.3 square miles (99.2 km2), of which 37.1 square miles (96.2 km) is land and 1.1 square miles (2.9 km2), or 2.96%, is water. The southern end of Lookout Mountain rises to the north of the city center.
Typical of the Deep South, Gadsden experiences a humid subtropical climate (Köppen Cfa) with four distinct seasons.
Winter lasts from early December to late-February; the daily average temperature in January is 41.3 °F (5.2 °C). On average, the low temperature falls to the freezing mark or below on 60 days a year, and to or below 20 °F (−7 °C) on 6.9 days. While rain is abundant (January and February are on average the wettest months), measurable snowfall is rare, with most years receiving none. Summers are hot and humid, lasting from mid-May to mid-September, and the July daily average temperature is 80.6 °F (27.0 °C). There are 60–61 days of 90 °F (32 °C)+ highs annually and 2.1 days of 100 °F (38 °C)+ highs. The latter part of summer tends to be drier. Autumn, which spans from mid-September to early-December, tends to be similar to spring in terms of temperature and precipitation, although it begins relatively dry.
With a period of record dating only back to 1953, the highest recorded temperature was 106 °F (41 °C) on June 30, 2012, while the lowest recorded temperature was −6 °F (−21 °C) on January 20–21, 1985.
As of the census of 2000, there were 38,978 people, 16,456 households, and 10,252 families living in the city. The population density was 1,083.6 inhabitants per square mile (418.4/km). There were 18,797 housing units at an average density of 522.6 per square mile (201.8/km2). The racial makeup of the city was 62.7% White, 34.0% Black or African American, 0.3% Native American, 0.5% Asian, 0.1% Pacific Islander, 1.2% from other races, and 1.2% from two or more races. 2.6% of the population were Hispanic or Latino of any race.
There were 16,456 households, out of which 24.9% had children under the age of 18 living with them, 40.5% were married couples living together, 18.1% had a female householder with no husband present, and 37.7% were non-families. 33.9% of all households were made up of individuals, and 16.9% had someone living alone who was 65 years of age or older. The average household size was 2.28 and the average family size was 2.91.
In the city, the population was spread out, with 23.0% under the age of 18, 9.5% from 18 to 24, 25.3% from 25 to 44, 22.0% from 45 to 64, and 20.1% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 85.2 males. For every 100 females age 18 and over, there were 80.1 males.
The median income for a household in the city was $24,823, and the median income for a family was $31,740. Males had a median income of $29,400 versus $19,840 for females. The per capita income for the city was $15,610. About 18.1% of families and 22.9% of the population were below the poverty line, including 33.9% of those under age 18 and 14.6% of those age 65 or over.
As of the census of 2010, there were 36,856 people, 15,171 households, and 9,183 families living in the city. The population density was 990.8 inhabitants per square mile (382.6/km). There were 17,672 housing units at an average density of 475.1 per square mile (183.4/km2). The racial makeup of the city was 57.3% White, 36.3% Black or African American, 0.4% Native American, 0.6% Asian, 0.4% Pacific Islander, 3.2% from other races, and 1.9% from two or more races. 5.4% of the population were Hispanic or Latino of any race.
There were 15,171 households, out of which 24.3% had children under the age of 18 living with them, 35.9% were married couples living together, 19.5% had a female householder with no husband present, and 39.5% were non-families. 34.9% of all households were made up of individuals, and 14.6% had someone living alone who was 65 years of age or older. The average household size was 2.31 and the average family size was 2.99.
In the city, the population was spread out, with 22.5% under the age of 18, 9.7% from 18 to 24, 25.0% from 25 to 44, 26.1% from 45 to 64, and 16.8% who were 65 years of age or older. The median age was 39.3 years. For every 100 females, there were 90.3 males. For every 100 females age 18 and over, there were 93.5 males.
The median income for a household in the city was $28,386, and the median income for a family was $34,643. Males had a median income of $33,827 versus $27,342 for females. The per capita income for the city was $18,610. About 20.2% of families and 24.9% of the population were below the poverty line, including 38.9% of those under age 18 and 14.3% of those age 65 or over.
As of the 2020 United States census, there were 33,945 people, 13,766 households, and 8,133 families residing in the city.
Citing statistics from the Alabama Department of Industrial Relations and the Center for Business and Economic Research at the University of Alabama, the Gadsden-Etowah County Industrial Development Authority reports that approximately 12,000 residents of Etowah County were underemployed and 2,179 residents were unemployed as of 2008.
Gadsden houses numerous churches: Episcopalian, Methodist, Baptist, Presbyterian, Lutheran, Church of Christ, Pentecostal, Catholic, Church of the Nazarene, and Church of Jesus Christ of Latter Day Saints.
The city was home to Congregation Beth Israel, a Reform synagogue founded in 1908. In a 1960 attack, the synagogue was fire-bombed, its windows smashed, and two members shot and wounded by a Nazi sympathizer. Because of declining numbers as some members moved away and others died, the congregation ceased operations in 2010.
Gadsden is served by a 106-member municipal police department that includes a Patrol Division and Detective Division. The Patrol Division operates patrol, a bomb squad unit, special projects team, and a joint SWAT team with the Etowah County Sheriff Office. The Detective Division serves a homicide or persons unit, property crime unit, financial crimes unit, and juvenile unit. In May 2010, the Gadsden Police Department acquired two unmanned aerial vehicles (UAVs) under the auspices of a $150,000 federal grant. The drones are equipped with video cameras and wireless transmitters, designed to be used for aerial surveillance.
The Gadsden City Board of Education oversees fourteen schools: eight elementary schools, three middle schools, one high school, and two specialty schools (one alternative center and one technical center).
A new high school, Gadsden City High School, replaced the three former city high schools (Emma Sansom High School, Gadsden High School, and Litchfield High School) via merger for the 2006–2007 school year.
Gadsden is home to Gadsden State Community College, the second largest of the 27 two-year institutions in the Alabama Community College System. This was founded by former Governor George Wallace. Small satellites of Jacksonville State University and the University of Alabama also offer college courses in Gadsden.
Gadsden is home to the first statewide day-treatment program for juvenile offenders. The Community Intensive Treatment for Youth Program (C.I.T.Y.) was founded in January 1981 by Edward E. Earnest (1943-2005). With the assistance and support of the Honorable Judge Robert E. Lewis (1927-1993), the city of Gadsden, and the Gadsden City Board of Education, the C.I.T.Y. Program began enrolling students on February 1, 1981. C.I.T.Y. is designed to be a multi-dimensional program emphasizing habilitation (i.e., equipping at-risk youth on juvenile probation with skills needed to meet the demands of modern society).
Its objectives are: 1. to identify the at-risk youth’s individual strengths and weaknesses, 2. to provide an individualized environment in which the at-risk youth can develop skills, and 3. to alter the natural environment of the at-risk youth so that new acquired skills are nurtured and encouraged. To achieve these objectives, C.I.T.Y. offers academic remediation in reading, math, language; intensive counseling that involves behavior modification, consumer education, and job readiness training. After all objectives have been met, C.I.T.Y. provides GED preparation, return to public school, and placement into technical school, college, job, or military service. In 1983, C.I.T.Y. Program of Etowah County (Gadsden) received the National Council of Juvenile and Family Court Judges Unique and Innovative Project Award. On October 1, 2009, C.I.T.Y.’s name was changed to Special Programming for Achievement Network (S.P.A.N.) It operates under the directorship of the Alabama Department of Youth Services. There are eleven SPAN programs in the state of Alabama.
Newspapers
Television
Gadsden is located in the Birmingham DMA (Designated Market Area) for television stations. Two of the market’s stations are licensed to Gadsden.
AM radio
FM radio