Cheapest Owner Operators Truck Insurance Cost Temple, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Temple, 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 Temple, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Temple, 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.
Temple is a city in Bell County, Texas, United States. As of 2020, the city has a population of 82,073 according to the U.S. census, and is one of the two principal cities in Bell County.
Located near the county seat of Belton, Temple lies in the region referred to as Central Texas and is a principal city in the Killeen–Temple–Fort Hood metropolitan area, which as of 2015 had a population of 450,051. Located off Interstate 35, Temple is 65 miles north of Austin, 34 miles south of Waco and 27 miles east of Killeen.
The primary economic drivers are the extensive medical community (mostly due to Baylor Scott & White Medical Center – Temple) and goods distribution based on its central location between the Dallas-Fort Worth, San Antonio, and Houston metropolitan areas, and proximity to larger neighbors Austin and Waco.
Temple was founded as a railroad town in 1881 by the Gulf, Colorado and Santa Fe Railroad. It was incorporated in 1882. The town was named after a Santa Fe Railroad official, Bernard Moore Temple. Mr. Temple was a civil engineer and former surveyor with the Gulf, Colorado and Santa Fe Railway Company.
In 1882, the Missouri–Kansas–Texas Railroad built through the town, and soon after, the Santa Fe railroad made Temple a division point. In its early years, Temple was a town of shacks and tents with a large number of saloons and tough characters found in the early West. Locally, it was nicknamed “Tanglefoot,” because some residents found that the combination of muddy streets and liquor made walking through the town challenging.
Very shortly after the town was incorporated in 1882, two private schools were founded in the city: the Temple Academy was organized and a public school was established in 1884. In 1893, the annual Temple Stag Party began, growing out of a private Thanksgiving celebration attended by some of the town’s leading men. It was held until 1923.
The Temple Railroad and Heritage Museum, on the second floor of the Santa Fe Railroad station at 315 West Avenue B, commemorates the significance of railroads for the city.
Temple is located northeast of the center of Bell County at 31°6′30″N 97°23′21″W / 31.10833°N 97.38917°W (31.108381, −97.389125). It is the second-largest city in Bell County. It is bordered to the southwest, on the opposite side of the Leon River, by Belton, the county seat.
Temple is situated within a relatively short drive of most of the major cities of Texas: 124 mi north to Fort Worth, 130 mi north-northeast to Dallas, 65 mi southwest to Austin, 147 mi southwest to San Antonio, and 168 mi southeast to Houston. The city is located right on Interstate 35 running alongside the Balcones Fault with very mixed geography. Towards the east lies the Blackland Prairie region (a rich farming area), and towards the west, the terrain rises with low, rolling, limestone-layered hills at the northeastern tip of the Texas Hill Country.
According to the United States Census Bureau, the city has a total area of 74.9 square miles (194 km), of which, 70.1 square miles (182 km) are land and 4.8 square miles (12 km) are covered by water.
As of the 2020 United States census, there were 82,073 people, 28,276 households, and 18,036 families residing in the city.
As of the 2010 census, 66,102 people, 23,359 households, and 15,878 families resided in the city. The population density was 834.2 inhabitants per square mile (322.1/km). The 28,005 housing units averaged 359.8 per square mile (138.9/km). The racial makeup of the city was 68.1% White, 23.7% Hispanic or Latino, 16.9% African American, 2.1% Asian, 0.6% Native American, 0.1% Pacific Islander, and 3.3% from two or more races.
Of the 23,359 households, 32.1% had children under the age of 18 living with them, 49.6% were married couples living together, 14.0% had a female householder with no husband present, and 32.0% were not families. About 28.4% of all households were made up of individuals, and 10.7% had someone living alone who was 65 years of age or older. The average household size was 2.44 and the average family size was 3.29.
In the city, the population was distributed as 24.1% under the age of 18, 9.2% from 18 to 24, 28.6% from 25 to 44, 20.0% from 45 to 64, and 15.8% who were 65 years of age or older. The median age was 35 years. For every 100 females, there were 91.7 males. For every 100 females age 18 and over, there were 87.2 males.
The median income for a household in the city was $47,240 and for a family was $42,795. Males had a median income of $30,858 versus $22,113 for females. The per capita income for the city was $25,740. About 10.8% of families and 12.5% of the population were below the poverty line, including 20.0% of those under age 18 and 9.8% of those age 65 or over. Temple’s homeless population is approximately 1.9%. Assistance to the homeless is provided by Feed My Sheep and the Salvation Army.
Over 100 years ago, the local economy began with the regional Santa Fe Railroad hospital. Temple now thrives in a complex economy, with both goods distribution and its reputation as a regional medical center leading the way. Baylor Scott & White Health is the largest employer in the area with about 12,000 employees, most located at Baylor Scott & White Medical Center – Temple.
Temple is home to many regional distribution centers and is headquarters to two large, multinational companies, Wilsonart International and McLane Company, as well as parent McLane Group. In addition to some manufacturing, also a developing customer service/ call center industry exists. Temple is also home to the Temple Bottling Company, which produces Dr Pepper (with Imperial Cane sugar).
Temple is within 30 miles (48 km) of Fort Hood, and military personnel contribute a portion of the city’s economy.
Temple is largely served by the Temple Independent School District. The district has one high school, three middle schools, nine elementary schools, and three supplemental learning programs (early childhood center, alternative learning center, and an innovative academy high school program). Students within the local school district attend highly regarded Temple High School. In addition to award-winning academic/honors programs in arts and sciences and the International Baccalaureate (IB) curriculum, the high-school has a thriving athletic program. In addition, small portions of the city are served by Belton ISD, Troy ISD, and Academy ISD.
Several private schools serve Temple, including Christ Church School, Saint Mary’s Catholic School (Pre-K–8), Providence Preparatory School (PreK-12), the associated Holy Trinity Catholic High School, and Central Texas Christian School (K–12).
Temple College offers two-year associate degrees in a variety of subjects, with strong programs in business administration, information technology, and nursing. Temple College was the first college located in Temple, and opened in 1926.
Temple is also home to one of the Texas A&M College of Medicine campuses. It operates in conjunction with the Baylor Scott & White Medical Center – Temple and the Olin Teague Veterans’ Hospital Center.
The main city newspaper is the Temple Daily Telegram. Radio stations licensed in Temple include FM stations KVLT-FM, KBDE-FM, KLTD-FM, and KRYH-LP; and AM stations News Radio 1400, and a number of other nearby radio stations can be heard in Temple. A number of broadcast television channels are available in the city: KCEN-TV (NBC), KWTX-TV (CBS), KXXV-TV (ABC), KWKT-TV (Fox), The CW and Telemundo, plus several alternate broadcast channels including MeTV, Cozi, iON, MyNetworkTV, grit and local weather. For cable and satellite television service, Temple is served by Charter Spectrum (formerly Time Warner Cable), DirecTV, Dish Network, and Grande Communications.
The Hill Country Transit District (The HOP) operates three bus routes within the city, with an additional bus connection to Killeen.
Temple was founded as a railroad junction and serves as a major freight railroad hub to this day. Both the Union Pacific Railroad and BNSF Railway have mainlines serving the city, and a BNSF rail yard and locomotive maintenance facility are located here. Amtrak serves the city with its Texas Eagle passenger train, which stops at the Temple Railway Station.
Temple has general aviation services via Draughon-Miller Central Texas Regional Airport. While commercial airline service is not currently available in the city, Temple is served by these nearby airports:
In 2009, the Texas Department of Transportation (TxDOT) proposed the Texas T-Bone High Speed Rail Corridor that would create a high-speed rail line from Dallas-Fort Worth to San Antonio and another line from Houston that would connect with the first line. While the location for the connection of the two lines had not been officially established, the mayor at the time, Bill Jones III, made an effort to ensure that connection happened in Temple. Temple would be a stop along the line, regardless of where that connection between the two lines would be. The next year in 2010, TxDOT received a federal grant to conduct a study for a line connecting Oklahoma City with San Antonio, and Temple was in the pathway of that line. In 2013, a consultant for the Texas High Speed Rail Corporation stated that the only two connections being considered for the two lines were a connection in Temple and a connection in San Antonio; they expected to make that decision by the end of 2014. The organization also indicated that they plan to have the high-speed rail in operation by 2025. If that connection occurred in Temple, the Killeen – Temple – Fort Hood metropolitan area, with a population of 420,375, would be within about 45 minutes of Dallas, Fort Worth, Houston, and San Antonio.
Temple is known as a regional medical center, with three major hospitals: Baylor Scott & White Medical Center, Baylor Scott & White McLane Children’s Medical Center, and Olin E. Teague Veterans’ Medical Center. Baylor Scott & White Health is the largest employer in town with about 11,000 employees.
The Texas State Soil and Water Conservation Board has its headquarters in Temple.
Temple is policed by the Temple Police Department and the Bell County Sheriff’s Office. The Texas Department of Criminal Justice operates a regional office in the city. The Texas Highway Patrol maintains an office on I-35 in Temple.
The United States Postal Service operates a regional office in the city.
