Cheapest Owner Operators Truck Insurance Cost Frisco, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Frisco, 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 Frisco, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Frisco, 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.
Frisco is a city in Collin and Denton counties in the U.S. state of Texas. It is part of the Dallas–Fort Worth metroplex and about 25 miles (40 km) from both Dallas Love Field and Dallas/Fort Worth International Airport. Its population was 200,509 in the 2020 U.S. census.
Frisco was the fastest-growing city in the United States in 2017, and also from 2000 to 2009. In the late 1990s, the northern DFW suburban development tide hit the northern border of Plano and spilled into Frisco, sparking rapid growth into the 2000s. Like many of the cities in Dallas’s northern exurbs, Frisco serves as a bedroom community for professionals who work in DFW. Since 2003, Frisco has received the designation Tree City USA from the National Arbor Day Foundation.
The United States Census Bureau defines an urban area of northern Dallas-area suburbs that are separated from the Dallas–Forth Worth urban area, with McKinney and Frisco as the principal cities: the McKinney–Frisco, Texas, urban area had a population of 504,803 as of the 2020 census, ranked 83rd in the United States.
When the Dallas area was being settled by American pioneers, many of the settlers traveled by wagon trains along the Shawnee Trail. This trail became the Preston Trail, and later Preston Road. With all this activity, the community of Lebanon was founded along this trail, and was granted a U.S. post office in 1860.
In 1902, a line of the St. Louis–San Francisco Railway (“the Frisco”) was being built through the area, and periodic watering stops were needed along the route for the steam locomotives. The current settlement of Lebanon was on the Preston Ridge, and was too high in elevation, so the watering stop was placed about 4 miles (6 km) to the west on lower ground. A community grew around this train stop, and some Lebanon residents moved their houses to the new community on logs. The new town was originally named Emerson, but the U.S. Postal Service rejected the name as too similar to another community, Emberson, in Lamar County.
In 1904, the town’s residents chose “Frisco City” in honor of the St. Louis–San Francisco Railway. This name was later shortened to Frisco.
Frisco is within the Dallas–Fort Worth metroplex, partially in Denton and Collin counties, in North Texas. According to the United States Census Bureau, the city has an area of 62.4 sq mi (161.6 km), of which 160.1 km2 (61.8 sq mi) is land and 0.58 sq mi (1.5 km), or 0.92%, is covered by water.
Frisco is part of the humid subtropical region. The city gets 39 inches (990 mm) of precipitation per year. On average, 230 days per year are sunny. The July high is 96 °F (36 °C); the January low is 33 °F (1 °C). The comfort index, which is based on humidity during the hot months, is a 25 out of 100, where higher is more comfortable.
As of the 2020 United States census, there were 200,509 people, 64,151 households, and 48,519 families residing in the city, up from 2010’s tabulation of 116,989.
Among the population, the 2019 American Community Survey estimated 51.9% were non-Hispanic or Latino white, 8.4% Black or African American, 0.2% American Indian and Alaska Native, 26.0% Asian alone, 0.1% Native Hawaiian or other Pacific Islander, 2.7% two or more races, and 10.7% Hispanic and Latino American of any race. By 2020, 48% of the population were non-Hispanic white, 8.82% Black or African American, 0.3% Native American, 26.27% Asian, 0.05% Pacific Islander, 0.52% some other race, 4.55% multiracial, and 11.48% Hispanic or Latino of any race.
According to a 2010 American Community Survey estimate, the median income for a household in the city was $100,868, the median income for a family was $109,086. The per capita income for the city was $38,048. About 2.2% of families and 5.8% of the population were below the poverty line, including 7.5% of those under age 18 and 2.4% of those age 65 or over. The median price for a new home was $252,000. By 2019, its median income grew to $116,884.
Frisco has many retail properties, including Stonebriar Centre, a 165-store regional mall; IKEA, a furniture store with an area of 28,800 m (310,000 sq ft); and The Star, the headquarters of the Dallas Cowboys. Retail establishments and restaurants line Preston Road, one of the city’s major north–south traffic arteries.
Frisco took a different economic track than many surrounding cities, electing to use a fractional percent of local sales tax to fund the Frisco Economic Development Corporation (FEDC) rather than Dallas Area Rapid Transit (DART), the regional transportation body. The effectiveness of the FEDC, whose primary purpose is to reallocate such tax dollars to commercial ventures, is a matter of public debate.
Frisco Square, a mixed-use development, became the new downtown along with the city hall. Frisco Square has about 250 rental residential units, seven restaurants, about 40,000 square feet (3,700 m) of commercial office space, and a few personal-service locations. The major development in the project is the new city hall, main library, and public commons. A Cinemark theater opened in 2010. In 2012, a hospital, Medical City Plano-Frisco, was built north of the theater.
Frisco’s top employers as of 2019 were the following:
Frisco hosts the Museum of the American Railroad, which is based out of the Frisco Heritage Museum while construction on a separate museum complex continues. The nearby Discovery Center features an art gallery, a black-box theater, and the National Videogame Museum.
Frisco Square hosts a variety of events throughout the year including Arts in the Square, Music in the Square, and the annual Christmas in the Square holiday light show (the largest choreographed lights and music show in North Texas). The city hall also hosts a Music in the Chamber concert series in the city council chamber.
Frisco Public Library was housed in City Hall until March 2023, when the new library opened in a converted warehouse building. The new library is the sixth-largest in Texas, and hosts a full-size Tyrannosaurus skeleton named Rexy.
Frisco is home to several sporting venues, many major sports teams headquarters, and an NCAA Division I conference headquarters. In April 2011, Men’s Journal named Frisco the Best Place to Raise an Athlete.
The Ford Center at the Star is a 12,000-seat indoor stadium. The 91-acre Dallas Cowboys project “The Star” includes the team’s headquarters and training facilities, including the Ford Center, where the Cowboys practice and Frisco ISD high school teams practice and play on a rotating basis. It is on Gaylord Parkway, one block west of the Dallas North Tollway. Multiple professional teams have made their home at the Ford Center, including the Texas Revolution of Champions Indoor Football and the Dallas Rattlers of Major League Lacrosse.
Riders Field, a 10,316-seat baseball stadium, hosted its first baseball game on April 3, 2003. BaseballParks.com named it the best new ballpark that year, and it received the 2003 Texas Construction award for Best Architectural Design.
Toyota Stadium, which opened in 2005 as “Pizza Hut Park”, is a 20,500-seat stadium. It is primarily used as a soccer stadium by FC Dallas, but also hosts concerts and high school and college football games, including the NCAA Division I-AA (FCS) college football championship starting in 2010 and the NCAA Division I (FBS) Frisco Bowl starting in 2017.
The Comerica Center (formerly Dr Pepper Arena), a combination hockey and basketball venue, is the home of the Texas Legends of the NBA G League and the Frisco Fighters of the Indoor Football League, and a practice facility for the Dallas Stars of the NHL.
The Dallas Cowboys of the National Football League (NFL) moved their corporate headquarters to “The Star” in Frisco in time for the 2016 NFL football season; the complex opened in June 2016. Built in partnership with Frisco ISD, which contributed $30 million to building the Ford Center at the Star in lieu of a dedicated third football stadium, Frisco ISD has held high school football games at the Ford Center since it opened.
Multiple professional indoor football teams have previously been based in Frisco, including the Frisco Thunder of the Intense Football League and the Texas Revolution of Champions Indoor Football.
In 2020 a new Indoor Football League expansion franchise, the Frisco Fighters, debuted with home games to be played at Comerica Center. After the Fighters’ 2020 season was canceled due to the COVID-19 pandemic, the team played its inaugural home opener on June 5, 2021. In their first year of operation, the Fighters clinched a playoff berth, advancing as far as the IFL semifinal game against the eventual 2021 United Bowl champion Massachusetts Pirates.
The Dallas Stars National Hockey League team is headquartered in Frisco, and practices at the Comerica Center. The Texas Tornado of the North American Hockey League had been based in Frisco since the fall of 2003, and shortly afterward the league moved its main offices to Frisco. In the 2013 off-season, the Texas Tornado relocated to North Richland Hills, Texas. The league relocated its offices in 2018.
FC Dallas (formerly the Dallas Burn), a Major League Soccer team, moved its home to Pizza Hut Park (now Toyota Stadium) near the corner of the Dallas North Tollway and Main Street in August 2005. A major international youth soccer tournament, the Dallas Cup, is hosted in Frisco each year and draws teams from around the world. The National Soccer Hall of Fame is co-located with Toyota Stadium.
The Frisco RoughRiders, the Double-A Minor League Baseball affiliate of the Texas Rangers in the South Division of the Texas League, play in Frisco at Riders Field.
The Texas Legends, affiliated with the Dallas Mavericks, are members of the NBA G League and play at Comerica Center.
On November 16, 2017, Major League Lacrosse announced it would be moving the Rochester Rattlers franchise to The Ford Center at the Star in Frisco for the 2018 season as the Dallas Rattlers. The Rattlers folded after the 2019 season.
The Southland Conference, an NCAA Division I athletics organization, relocated its headquarters to Frisco in 2006. On February 26, 2010, Pizza Hut Park (now Toyota Stadium) was announced as the host of the Football Championship Subdivision (formerly NCAA Division I-AA) championship game, formerly held in Chattanooga, Tennessee, and Huntington, West Virginia. The first matchup, hosted by the Southland Conference, was played January 7, 2011.
Frisco also has an Olympic-sized, state-of-the-art natatorium. The Frisco Baseball and Softball Association was established in 1984. The Frisco Football League is an organized recreational league that allows children to play football before entering football in the school district. The Flagfootball4fun Flag Football League (FF4FUN) is an organized recreational youth flag football league. The sports entertainment conglomerate Dude Perfect is in Frisco.
The Frisco Athletic Center features 18,000 square feet (1,700 m) of indoor aquatics elements and about 40,000 square feet (3,700 m2) of outdoor aquatic features. It features exercise equipment, basketball courts, and group exercise classes.
On January 11, 2023, Universal Destinations & Experiences announced a “new concept”-styled theme park to be constructed in Frisco.
Frisco is a “home rule” city. Frisco voters adopted its initial “home rule” charter in 1987. Frisco residents have voted to amend the charter three times since 1987:
In May 2014, the Charter Review Commission recommended an additional 14 propositions, but these were never placed on the ballots.
Frisco has a council-manager government, which consists of a mayor, six city council members elected at-large, and a city manager. Council members’ duties include enacting local legislation (ordinances), adopting budgets, determining policies, and appointing the city manager. The mayor and city council members each serve three year terms, with term limits of three terms. There have been only two city managers in Frisco history: George Purefoy, who served for over 34 years until his retirement in 2022, and his successor, Wes Pierson.
According to the city’s 2010 Comprehensive Annual Financial Report, the city’s various funds had $227.2 million in revenue, $184.4 million in expenditures, $1.647 billion in total assets, $753.1 million in total liabilities, and $159.3 million in cash and investments.
The city of Frisco is a voluntary member of the North Central Texas Council of Governments, the purpose of which is to coordinate individual and collective local governments and facilitate regional solutions, eliminate unnecessary duplication, and enable joint decisions.
After the 2021 state and federal redistricting, Frisco contains most or parts of Texas State House of Representatives districts 57, 61, 66 and 106. Frisco contains parts of Texas State Senate districts 8 and 30.
After the 2021 state and federal redistricting, Frisco contains parts of United States Congressional districts 3, 4, and 26.
Most of Frisco is in the Frisco Independent School District (Frisco ISD), with some parts of the city extending into the Lewisville Independent School District, Little Elm Independent School District, and Prosper Independent School District. Lewisville ISD operates one elementary campus in the city while Prosper ISD operates an elementary school, a middle school, and Rock Hill High School, a high school within the Frisco city limits.
Frisco ISD has 12 high schools 17 middle schools and 43 elementary schools, and 3 special programs centers. Most Frisco ISD schools are within the Frisco city limits, but some are in adjacent suburbs, such as Plano. All Frisco high schools compete in UIL Class 5A, with the exception of Panther Creek High School, which competes in Class 4A.
The Frisco ISD Early Childhood School is available for children ages three and four who meet eligibility requirements for Headstart, Prekindergarten, or Preschool Program for Children with Disabilities.
At the Frisco ISD Career and Technical Education Center, high school students can experience and try different careers, from veterinary work to advertising and graphic design.
The Texas Legislature designated Collin College as the community college for the municipality of Frisco as well as all of Collin County. The Preston Ridge campus of the community college district opened on Wade Boulevard in Frisco in 1995. Amberton University has a local campus on Parkwood Boulevard north of Warren Parkway. In 2008, Frisco ISD opened the Career and Technology Education Center.
The University of Dallas moved its Carrollton campus to Frisco. UT Arlington has a professional MBA campus in Frisco. The University of North Texas core MBA courses can be taken at the Frisco campus.
In 1978, the first season of Dallas was filmed at Frisco’s Cloyce Box Ranch (now the Brinkmann Ranch), where the house on site was used as the Ewing family home. This house burned down during renovations in 1987, and the steel skeleton of the house still stands on today’s Brinkmann Ranch, now the largest family-owned estate in Frisco.