Cheapest Owner Operators Truck Insurance Cost Gastonia, North Carolina
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Gastonia, North Carolina. 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 Gastonia, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Gastonia, North Carolina 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.
Gastonia is the most populous city in and county seat of Gaston County, North Carolina, United States. It is the second-largest satellite city of the Charlotte area, behind Concord. The population was 80,411 in the 2020 census, up from 71,741 in 2010. Gastonia is the 13th most populous city in North Carolina. It is part of the Charlotte-Concord-Gastonia, NC-SC Metropolitan Statistical Area, which is part of the Charlotte-Concord, NC-SC Combined Statistical Area.
The city is a historic center for textile manufacturing and was the site of the Loray Mill Strike of 1929, which became a key event in the labor movement. While manufacturing remains important to the local economy, the city also has well-developed healthcare, education, and government sectors.
Gastonia is named for William Gaston, a jurist and United States Representative from North Carolina.
The Loray Mill strike occurred in Gastonia in 1929. The role of organizers for Communist Party-affiliated National Textile Workers Union (NTWU) alienated religious leaders in Gastonia, who denounced the organizers’ ideology, undermining support for the strike. The strike collapsed after the death of Gastonia’s police chief, Orville Alderholt, led to a murder trial of several militants including NTWU chief organizer Fred Beal. Beal was convicted in the killing but fled to the Soviet Union. The strike largely failed in attaining its goals of better working conditions and wages, and the American labor movement was never able to gain a foothold among textile workers in Gastonia. The strike, however, became for a while an international cause célèbre, figuring in several novels published in the 1930s.
The City Hospital-Gaston Memorial Hospital, Craig Farmstead, Downtown Gastonia Historic District, First National Bank Building, Gaston County Courthouse, Gastonia High School, David Jenkins House, Loray Mill Historic District, Robinson-Gardner Building, Third National Bank Building, and William J. Wilson House are listed on the National Register of Historic Places.
According to the United States Census Bureau, the city has a total area of 50.7 square miles (131.4 km), of which 50.5 square miles (130.8 km2) is land and 0.23 square miles (0.6 km), or 0.45%, is water. Gastonia occupies 14% of the total area of Gaston County. Gastonia is approximately 21 miles (34 km) west of Charlotte, 22 miles (35 km) east of Shelby, and 37 miles (60 km) south of Hickory.
As of the 2020 United States census, there were 80,411 people, 27,796 households, and 18,361 families residing in the city.
As of 2010, there were 71,741 people, 27,770 households, and 18,599 families residing in the city. The population density was 1,420.6 inhabitants per square mile (548.5/km). There were 31,238 housing units at an average density of 618.6 per square mile (238.8/km2). The racial composition of the city was 62.8% White, 27.5% Black or African American, 2.0% Asian, 0.4% Native American, 5.2% some other race, and 3.0% two or more races. 9.7% of the population were Hispanic or Latino American of any race.
As of the 2010 census, there were 27,770 households, out of which 34.7% had children under the age of 18 living with them, 42.5% were headed by married couples living together, 19.0% had a female householder with no husband present, and 33.0% were non-families. 27.1% of all households were made up of individuals, and 9.7% were someone living alone who was 65 years of age or older. The average household size was 2.52, and the average family size was 3.05.
In the city, the population was spread out, with 24.7% under the age of 18, 8.9% from 18 to 24, 26.5% from 25 to 44, 26.3% from 45 to 64, and 13.6% who were 65 years of age or older. The median age was 38.0 years. For every 100 females, there were 89.6 males. For every 100 females age 18 and over, there were 85.6 males.
In 2011 the estimated median income for a household in the city was $36,881, and the median income for a family was $44,576. Male full-time workers had a median income of $38,151 versus $29,590 for females. The per capita income for the city was $19,277. 20.9% of the population and 18.3% of families were below the poverty line. 32.5% of those under the age of 18 and 6.9% of those 65 and older were living below the poverty line.
Many shutdowns and job losses have plagued Gastonia over the past decade. Gastonia maintains a relatively strong manufacturing workforce, but many workers are laid off and many more are facing job losses. The city had an unemployment rate of 7.9% as of 2010; 12,536 of the 71,341 residents lived and worked in the city, with a daytime population change of +10,610. The city is the international corporate headquarters for textile company Parkdale Mills, the number one manufacturer of spun yarn in the world. The company also operated two production facilities in Gastonia and several in surrounding communities. Parkdale, like many other companies, has closed plants and moved production to other countries.
Other manufacturers in Gastonia include Wix Filtration Corp., Freightliner Trucks, Stabilus, Curtiss-Wright Controls Engineered Systems and Radici Group. Other major employers include the City of Gastonia and Gaston County governments, the Gaston County Schools system, CaroMont Regional Medical Center, and retailers Walmart and Advance Auto Parts, with two and six stores (plus a distribution center) respectively.
Gastonia and the surrounding areas feature several notable attractions.
The Schiele Museum of Natural History features a number of permanent exhibits, including the Hall of North Carolina Natural History and the Henry Hall of the American Indian. The museum is also home to the James H. Lynn Planetarium, the only planetarium in the Charlotte area.
The Daniel Stowe Botanical Garden is located just southeast of the city in Belmont on NC 279.
The U.S. National Whitewater Center (on the Catawba River) is located east of the city in neighboring Mecklenburg County.
Crowders Mountain State Park is located west of the city, near Kings Mountain. The park offers a number of hiking trails, as well as campgrounds, picnic areas, rock climbing, and fishing.
Eastridge Mall, located at exit 20 on North New Hope Road, is the only indoor regional mall in the area; it is anchored by Belk and Dillard’s. The mall is also home to over 80 specialty stores, a full-service food court, Red Lobster and other services.
Downtown Gastonia Historic District has undergone a revitalization with locally owned businesses including Webb Custom Kitchen, Gaston Pour House, Owl and Ivy, Java House, The Hive, Viva Tequis, Fannie Cakes Bakery, Pho Feel’n Asian Cuisine among many others. This has created a unique atmosphere of local shopping experiences with events centered around the community.
There are also a few more shopping centers across the city with other well-known national and local retailers.
The Gastonia Honey Hunters of the Atlantic League of Professional Baseball, a partner of Major League Baseball, began to play in 2021 at FUSE District Stadium, which is part of an overall renewal project called the Franklin Urban Sports and Entertainment (FUSE) District. Before the Honey Hunters’ arrival, the Gastonia Grizzlies, a Coastal Plain League summer collegiate wood-bat team, played at Sims Legion Park.
The Gastonia Gargoyles play rugby at Gaston County’s North Belmont Park. The team is part of the Carolinas Geographical Union (CGU) and plays Division IV men’s social rugby. The club plays in the fall (August – November) and spring (Feb – May) seasons. The club also hosts an annual rugby 7’s tournament in Clover, South Carolina, during the Clover Scottish Games on the first or second Saturday in June.
Gastonia’s two roller derby teams are the G*Force (senior team) and Mini*Gs (junior team). Bouts take place at Kate’s Skating Rink on Hudson Blvd.
The city is served by the Gastonia Police Department, the Gaston County Police Department, and the Gaston County Sheriff’s Office.
The Gastonia Fire Department consists of eight fire house spread throughout the communities within the City limits. The Gastonia Fire Department maintains 130 full-time firefighters working 3- to 24-hour shifts. The Life Safety division has a Fire Marshal and four inspectors, the Administration consists of the Fire Chief, Deputy Chief, Assistant Chief, Training Chief, and two Administrative assistants.
Gaston County EMS (GEMS) is the county ambulance service.
All public K–12 schools in Gaston County, including the city of Gastonia, are part of the Gaston County Schools (GCS). GCS operates schools at the elementary, middle, and high school levels.
There are four public high schools in Gastonia: Ashbrook High School, Forestview High School, Hunter Huss High School, and Highland School of Technology. Students from outlying parts of Gastonia also attend Stuart W. Cramer High School, North Gaston High School, and Bessemer City High School.
Private schools are also available in the city. Gaston Day School, Gaston Christian School are among various private schools offered in the Gastonia area.
Gastonia also has a charter school, Piedmont Community Charter School, that serves K–12 grade students. Currently the school has an Elementary campus along with a Secondary campus. A new High School campus is presently under construction. The new campus is set to open for the 2020–2021 school year.
Although there are no colleges or universities within the city limits of Gastonia, higher education is well represented in the greater Gastonia area. Gaston County is home to Belmont Abbey College (Belmont; four-year) and Gaston College (Dallas, Lincolnton (Lincoln County), and Belmont; two-year).
The Gaston County Public Library has three locations in the city.
The Gaston Gazette is Gastonia’s main newspaper. It is published daily, and covers Gastonia city, Gaston County, and surrounding areas. The Charlotte Observer (North Carolina’s largest newspaper) is also available, citywide.
Gastonia is served by numerous FM and AM radio stations, mainly based in nearby Charlotte. The city has one licensed AM station: WGNC 1450 AM; it has two licensed FM stations: WGNC 101.1FM and WBAV 101.9 FM.
Interstate 85 (I-85) links Gastonia directly with Charlotte, Greensboro, Durham, and Petersburg/Richmond (to the northeast) and Spartanburg, Greenville, Atlanta and Montgomery (to the southwest). Gastonia’s transportation network is supplemented by one additional freeway (US 321), the freeway portion of which directly connects Gastonia with transcontinental I-40 and the city of Hickory, 35 miles (56 km) north of Gastonia.
Gastonia is also served by three federal highways: US 29, US 74 (US 29 and US 74 follow the same route through the city), and US 321. US 29 parallels I-85 through the Carolinas, while US 74 provides direct east–west links to Charlotte and Wilmington (east), and Asheville and Cherokee (to the west). US 321 links Gastonia to central South Carolina and the Blue Ridge Mountains in northwest North Carolina. State highways include: NC 7, NC 274, NC 275 and NC 279.
Franklin Boulevard, Garrison Boulevard, Hudson Boulevard and Ozark/Long/Airline/Gaston Avenues are major east–west city thoroughfares. New Hope Road, Chester Street/York Road, and Marietta Street/Dr. Martin Luther King, Jr. Way, are major north–south city thoroughfares.
Gastonia Transit (GT) is Gastonia’s city transit provider. The bus service operates on a fixed-route system covering most of the city and stops are clearly visible around town. Buses run Monday-Saturday, and transfer downtown Gastonia at the Bradley Station. Regular fare is $1.00, transfers are free.
Charlotte Area Transit System (CATS) is Gastonia’s commuter provider to Charlotte. The Gastonia Express (Route 85X) offers Monday-Friday bus service to/from uptown Charlotte, via the Bradley Station. One-way fare to/from uptown Charlotte is $4.40; transfer is free when transferring to any other CATS services.
Greyhound Lines serves the city. Alongside Gastonia Transit, Greyhound utilizes downtown’s Bradley Station.
Amtrak’s Crescent (trains 19, 20) connects Gastonia (GAS) with the cities of (to the north) New York, Philadelphia, Baltimore, Washington, and Charlotte, and (to the south) Atlanta, Birmingham, and New Orleans. The unmanned Amtrak station is situated at 350 Hancock Street.
General service:
Gastonia Municipal Airport (AKH) handles most of the city’s private air service needs. It is located in the southeast part of the city on Gaston Day School Road, off NC 274 (Union Road).
Commercial service:
Charlotte/Douglas International Airport (CLT) provides the city with a major domestic/international gateway and is located 18 miles (29 km) east, in Charlotte. American Airlines has the airline’s second largest hub operation at Charlotte.
Gastonia has two sister cities:
Gotha was Gastonia’s first sister city in 1994. Santiago de Surco became an official partner in March 2004. Mayor Jennie Stultz visited Gotha in 2007. In December 2007, the mayor of Santiago de Surco visited for the annual lighting of the Christmas tree in the Rotary Pavilion. He was invited to light the tree along with one of the city’s councilmen.
