Cheapest Owner Operators Truck Insurance Cost Mission, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Mission, 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 Mission, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Mission, 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.
Mission is a city in Hidalgo County, Texas, United States. Its population was 77,058 at the 2010 census and an estimated 84,331 in 2019. Mission is part of the McAllen–Edinburg–Mission and Reynosa–McAllen metropolitan areas.
Mission is in southern Hidalgo County. It is bordered to the east by McAllen, the largest city in the county, to the north by Palmhurst, to the west by Palmview, and to the south by the Mexico–United States border along the Rio Grande.
The Interstate 2/U.S. Route 83 freeway passes through Mission, south of the center of town. The highway leads east 5 miles (8 km) to downtown McAllen and 41 miles (66 km) to Harlingen. Interstate 2 ends 7 miles (11 km) west of Mission; US 83 leads west 34 miles (55 km) to Rio Grande City.
According to the United States Census Bureau, Mission has a total area of 34.1 square miles (88.2 km), of which 0.1 square miles (0.2 km), or 0.20%, is covered by water.
As of the 2020 United States census, 85,778 people, 25,172 households, and 20,139 families were residing in the city.
As of the census of 2000, 45,408 people, 13,766 households, and 11,384 families resided in the city. The population density was 1,881.9 inhabitants per square mile (726.6/km). The 17,723 housing units had an average density of 734.5 per square mile (283.6/km). The racial makeup of the city was 77.63% White, 0.37% African American, 0.38% Native American, 1.63% Asian, 18.65% from other races, and 2.34% from two or more races. Hispanics or Latinos of any race were 81.03% of the population.
Of the 13,766 households, 43.4% had children under 18 living with them, 64.8% were married couples living together, 14.5% had a female householder with no husband present, and 17.3% were not families; 15.3% of all households were made up of individuals, and 9.1% had someone living alone who was 65 or older. The average household size was 3.29, and the average family size was 3.68.
In the city, the age distribution was 32.1% under 18, 9.8% from 18 to 24, 26.8% from 25 to 44, 17.1% from 45 to 64, and 14.2% who were 65 or older. The median age was 30 years. For every 100 females, there were 91.1 males. For every 100 females 18 and over, there were 85.3 males.
The median income for a household in the city was $30,647, and the median income for a family was $33,465. Males had a median income of $25,710 versus $20,718 for females. The per capita income for the city was $12,796. About 22.6% of families and 26.8% of the population were below the poverty line, including 37.4% of those under age 18 and 15.6% of those age 65 or over.
The United States Postal Service operates in the city of Mission. Local zip codes include 78571, 78572, 78573, and 78574.
Mission shares the same economic growth that nearby McAllen is experiencing. The Mission Economic Development Corporation promotes development in the area.
The city has been advertised as the “Home of the Ruby Red Grapefruit” since 1921, due to the fruit being commonly grown in the area. The city is also home to the Texas Citrus Exchange. The city holds the annual Texas Citrus Fiesta Parade along Conway Avenue, which features fruit-decorated floats, bands, law enforcement agencies, fire departments, and many local and city government officials.
Moore Air Force Base (deactivated) is located 15 miles (24 km) north of the city. It is the location of the First Lift Station of the Mission Canal Company that once irrigated 15,000 acres (61 km) of farmland in the Rio Grande Valley.
Most of Mission is a part of the Mission Consolidated Independent School District. Other portions extend into the La Joya Independent School District and the Sharyland Independent School District.
Mission CISD operates Mission High School and Veterans Memorial High School. Sharyland ISD Mission is divided between Sharyland High School and Sharyland Pioneer High School. LJISD Mission is zoned to Palmview High School.
In addition, South Texas Independent School District operates magnet schools that serve the community.
Mission is also the site of San Juan Diego Academy, a Catholic high school operated by the Roman Catholic Diocese of Brownsville.
The Speer Memorial Library serves Mission. The facility has 48,760 square feet (4,530 m) of space.
The library originated in March 1914, when the Civic League of Mission was formed to maintain a park and form a library. The first library board included officers from the civic league. In 1929, the city of Mission passed an ordinance making the library a part of the city government. In 1930, the library was in a room in the First National Bank. Later, it moved to the Mission City Hall. From the early 1930s until 1947, the city library shared facilities with the school library. By 1960, it outgrew the building it had occupied. In 1976, Juanita Speer Farley donated the deed to her property to the city. A new library, designed by Warren Suter, an architect from Mission, was constructed in 1976 and 1977. The official completion date of the 14,000 square feet (1,300 m) library was June 1, 1977. An addition in 1988 increased the library’s area to 18,660 square feet (1,734 m). An additional expansion of 30,100 square feet (2,800 m), designed by architect TAG International, LLP, and constructed by Velasco Construction, was scheduled to be completed in March 2005, and the renovation of the older portions of the library was scheduled to begin afterwards.
