Cheapest Owner Operators Truck Insurance Cost Kirkwood, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Kirkwood, Missouri. 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 Kirkwood, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Kirkwood, Missouri 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.
Kirkwood is an inner-ring western suburb of St. Louis located in St. Louis County, Missouri. As of the 2010 census, the city’s population was 27,540. Founded in 1853, the city is named after James P. Kirkwood, builder of the Pacific Railroad through that city. It was the first planned suburb located west of the Mississippi River.
Plans for a new community close to St. Louis were begun after the St. Louis fire of 1849 and the preceding and subsequent cholera outbreaks that killed one-tenth of the residents of downtown St. Louis. In 1850, Hiram W. Leffingwell and Richard Smith Elliott bought land 14 miles (23 km) from downtown, which was at about the same time James P. Kirkwood, chief engineer of the Missouri Pacific Railroad, was laying out a route for the train line. The city of Kirkwood, named after the chief engineer, was platted in 1852. Kirkwood was the first suburban municipality built outside of the St. Louis city boundaries.
When the railroad reached the community in 1853, the developers sold lots for the Kirkwood Association. Other Leffingwell developments were to include the construction of Grand Avenue and the establishment of Forest Park. In 1866, the Quinette Cemetery was built, which is one of the five historic African American burial grounds in the St. Louis area.
The original town plat including quarter section blocks, and families could buy a block estate of 5 acres (20,000 m). Deed restrictions prohibited industrial development.
The Greentree Festival is held every September for three days. It offers arts and crafts for kids and many different foods from many different cultures. This has been a tradition for over 50 years. Since 1961, the festival has been held in Kirkwood Park, and consists of a parade and a fair. The festival was originally created to replace the drought-stricken trees in the park.
The Kirkwood High School Pioneers and Webster Groves Statesmen alternate as hosts of the annual Turkey Day Game, the longest-running football high school Thanksgiving Day rivalry west of the Mississippi. The 100th anniversary game was in 2007. The winner of the Turkey Day Game receives the Frisco Bell, while the loser gets the Little Brown Jug.
Kirkwood Station, the train station of Richardsonian Romanesque architectural style was built in 1893. Listed on the National Register of Historic Places (NRHP), it has become a symbol of the town. It is the only station stop that Amtrak makes in the St. Louis metropolitan area outside the central city. Among the four other buildings in Kirkwood listed on the NRHP is a Frank Lloyd Wright house in Ebsworth Park Foundation.
In 1895, the Meramec Highlands resort was built on the bluffs above the Meramec River.
The National Museum of Transportation is a private, 42-acre transportation museum in Kirkwood. Founded in 1944, it restores, preserves, and displays a wide variety of vehicles spanning 15 decades of American history: cars, boats, aircraft, and in particular, locomotives and railroad equipment from around the United States.
The Kirkwood Farmers’ Market was founded in 1976. The outdoor market offers a variety of homegrown vegetables and fruits. More than 300 local businesses contribute to the market.
The Magic House, St. Louis Children’s Museum in Kirkwood has become a popular family attraction for the region. Opened in 1979, it receives over 500,000 visitors annually and has been visited by more than 10 million people. The museum’s original building was built in 1901 and has undergone several renovations and expansions. The Magic House was ranked by Zagat as America’s top travel destination based on child appeal.
Kirkwood won the Arbor Day Growth Award in 1993, 1997, 2003, and 2004. The city also won the America in Bloom 2007 Community Involvement Criteria Award.
According to the United States Census Bureau, the city has a total area of 9.20 square miles (23.83 km), of which 9.16 square miles (23.72 km) is land and 0.04 square miles (0.10 km) is water.
As of the census of 2010, there were 27,540 people in Kirkwood, 11,894 households, and 7,327 families residing in the city. The population density was 3,006.6 inhabitants per square mile (1,160.9/km). The racial makeup of the city was 89.4% White, 7.0% African American, 0.13% Native American, 1.4% Asian, 0.42% another race.
There were 11,894 households, of which 29.3% had children under the age of 18 living with them, 48.7% were married couples living together, 9.9% had a female householder with no husband present, 2.9% had a male householder with no wife present, and 38.4% were non-families. 33.6% of all households were made up of individuals, and 14.4% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.97.
The median age in the city was 42.6 years. 23.2% of residents were under the age of 18; 6.1% were between the ages of 18 and 24; 23.8% were from 25 to 44; 29.8% were from 45 to 64; and 17.1% were 65 years of age or older. The gender makeup of the city was 46.0% male and 54.0% female.
In 2000 there were 11,763.5 households, out of which 28.0% had children under the age of 18 living with them, 50.5% were married couples living together, 9.0% had a female householder with no husband present, and 38.3% were non-families. 33.5% of all households were made up of individuals, and 14.9% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.98.
In the city, the population was spread out, with 23.4% under the age of 18, 5.9% from 18 to 24, 27.6% from 25 to 44, 24.9% from 45 to 64, and 18.2% who were 65 years of age or older. The median age was 41 years. For every 100 females, there were 84.1 males. For every 100 females age 18 and over, there were 79.4 males.
The median income for a household in the city was $70,261, and the median income for a family was $89,219. Males had a median income of $51,515 versus $36,235 for females. The per capita income for the city was $32,012. About 2.8% of families and 4.6% of the population were below the poverty line, including 6.1% of those under age 18 and 3.6% of those age 65 or over.
In 2005, 2007 and 2008, Kirkwood was the site of three sensational events. On July 5, 2005, Kevin Johnson Jr. shot and killed Sgt. William McEntee, who was investigating a fireworks call when Johnson walked up and shot him several times. Johnson was upset with police because he thought that they were responsible for his younger brother’s death (although the brother died from a heart condition). He was executed for the crime on November 29, 2022.
On January 12, 2007, Michael J. Devlin was arrested for abducting 13-year-old William “Ben” Ownby. Police had discovered that Ownby and also 15-year-old Shawn Hornbeck lived in Devlin’s apartment. Hornbeck had been missing since he was 11 years old, when he was abducted from near his home in Richwoods, Missouri. The Shawn Hornbeck Foundation was set up to find him as well as other missing children.
On February 7, 2008, Kirkwood resident Charles L. “Cookie” Thornton shot many people at a Kirkwood city council session, killing five – Council Members Connie Karr and Michael H.T. Lynch, Public Works Director Kenneth Yost, and police officers Sgt. William Biggs and Tom Ballman. Sgt. Biggs was killed in the lot of a nearby Imo’s Pizza restaurant. Thornton stole his gun and proceeded to enter the City Hall. Once inside, he killed Officer Ballman and opened fire on the city council. Kirkwood mayor Mike Swoboda and Suburban Journals reporter Todd Smith were injured. The gunman had a history of disruptive behavior and legal actions against the city government, related to ordinance violations and other issues with the police and the city council. Thornton was shot to death by additional police officers, all of whom responded after one of the fatally shot officers was able to activate his emergency signal by radio. Within minutes, multiple officers were on the scene. Mayor Swoboda died on September 6, 2008, succumbing to cancer in addition to complications from the February shootings.
Kirkwood sits along the Jefferson City Subdivision of the Union Pacific Railroad. Passenger rail service is provided by Amtrak. Kirkwood Station is located near the center of downtown Kirkwood and is a stop for Amtrak’s Missouri River Runner.
Bus service in Kirkwood is provided by MetroBus. Service connects Kirkwood to other suburban communities and downtown St. Louis.
Interstate Highway 270 runs along the western edge of Kirkwood. Interstate 44 passes through the community along the southern portions of the city limits. Major surface streets include Manchester Road (Missouri Route 100) bordering the city to the north, and US 61/67 (Lindbergh Boulevard) which runs north–south through downtown Kirkwood as Kirkwood Road.
Public education in Kirkwood falls under the Kirkwood R-7 School District. The district covers all of Kirkwood as well as all or parts of the neighboring smaller communities of Des Peres, Frontenac, Glendale, Huntleigh, Oakland, and Warson Woods.
The district includes five elementary schools (Tillman Elementary, North Glendale Elementary, Keysor Elementary, Robinson Elementary, and Westchester Elementary); two middle schools (Nipher Middle School and North Kirkwood Middle school); and one high school, Kirkwood High School. (The high school was established in 1865 and was originally located in the building that houses Nipher Middle School.) Upon graduation from elementary school, students from North Glendale, Robinson, and half of Tillman go to Nipher Middle School, and students from Keysor, Westchester, and the other half of Tillman go to North Kirkwood Middle School.
St. John Vianney High School, a private Catholic school, is also located in Kirkwood.
St. Louis Community College (STLCC) operates a 78-acre (320,000 m) campus in Kirkwood, STLCC-Meramec. It is the largest community college in Missouri, with over 12,000 undergraduate and transfer students.
Kirkwood has a lending library, the Kirkwood Public Library.
Kirkwood is the world headquarters of the Lutheran Church–Missouri Synod, a confessional Lutheran denomination with slightly under 2 million members.