Cheapest Owner Operators Truck Insurance Cost Tucker, Georgia
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Cost Tucker, Georgia. 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 Tucker, Georgia with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Tucker, Georgia 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.
Tucker is a city located in DeKalb County, Georgia, United States, located near Atlanta and was originally settled in the 1820s, and later developed as a railroad community in 1892. According to the 2016 United States Census Bureau annual estimate of resident population, it has a population of 35,322. In a November 2015 referendum, by a 3:1 margin (73.94%), voters approved incorporating Tucker into a city. In March 2016, Tucker residents elected the city’s first mayor and city council.
The 1821 Georgia Land Lottery opened portions of state land for settlement between the Flint and Ocmulgee rivers, including present-day DeKalb County. The Muscogee (Creek) Nation ceded the land to the United States in January of that year, and drawings for lots measuring 202.5 acres (81.9 ha) each began in May in Milledgeville, the state capital until 1868. The land grant fee was $19.00.
In 1821, the area that would become Tucker was in Militia District 572 in Henry County. The state created DeKalb County on December 9, 1822, and District 572 became DeKalb’s 18th District, or the Brownings District, reportedly named for Andrew Browning.
Among the thirty cemeteries within a 4-mile (6 km) radius of Main Street, approximately 30 graves belong to individuals born in the 18th century, four of whom are Revolutionary War soldiers. Twelve graves belong to Confederate soldiers.
In spite of DeKalb County delegates voting against secession from the United States, Georgia joined the Confederacy and seceded from the Union in 1861. The full reality of that decision marched into Tucker in July 1864. Union soldiers camped at Henderson’s Mill, used the Brownings Court, one of the few buildings in the area they did not burn, dismantled the railroad to Stone Mountain, and formed the left wing of Sherman’s advance to Atlanta.
In 1886 the Georgia, Carolina and Northern Railway received a charter to build a new rail line between Monroe, North Carolina, and Atlanta. Prior to the project’s completion, the company leased the road to the Seaboard Air Line Railroad system, a collection of regional railroads headquartered in North Carolina eager to extend its reach to Atlanta.
Seaboard built depots at a number of small villages, often little more than a crossroads, and named them for railroad company officials. The depot at Jug Tavern, for example, was named for Seaboard’s general manager, John H. Winder. The stop at Bryan was named in honor of the system’s general superintendent, Lilburn Meyers. Although the origin of the name is unknown, it is possible that the next stop, in the Brownings District, may have been named for Rufus S. Tucker, a director and major shareholder in several Seaboard system railroads. At the DeKalb County Centennial Celebration in 1922, Charles Murphey Candler stated that Tucker a “prosperous and promising village on the Seaboard Air Line Railway . . . was named in honor of Capt. Tucker, an official of the Seaboard Air Railway.” Some residents attribute the name to a local family with the surname Tucker.
The first train steamed into the new Tucker station on Sunday, April 24, 1892. Originating in Elberton with a final destination of the Atlanta suburb of Inman Park — a four-hour trip — the Seaboard train consisted of two cars carrying 150 passengers and a baggage car. Two months later the US Postal Service appointed Alpheus G. Chewning first Postmaster of the Tucker Post office. Rural Free Delivery began on March 2, 1903.
On Saturday, July 1, 1967, the Seaboard Air Line Railroad merged with the Atlantic Coast Line to form Seaboard Coast Line Railroad. In 1983 The line became Seaboard System and merged with the Chesapeake & Ohio, Baltimore & Ohio and the Western Maryland in 1986 Chessie System to form current railroad operator, CSXT.
Although no longer a train stop for passengers, the Tucker depot is currently a CSX field office for track repair and signal maintenance.
Tucker, at 1,117 feet (340 m) feet above sea level, is the highest point of elevation on the railroad line between Atlanta and Richmond, Virginia.
Following World War II, Tucker began a steady transition from an agricultural community to a mixed industrial, retail, and residential area. The strength of a county-wide water system extending into Tucker by the 1950s, and the post war establishment of nearby employers in other areas of the county including the Centers for Disease Control and Prevention in 1947, General Motors in Doraville, Kraft Foods in Decatur, and the growth of Emory University, brought new residents to Tucker from across the nation. Descendants of early settlers subdivided and sold family land for neighborhoods and shopping plazas. Local community leaders opened Tucker Federal Savings and Loan, created a youth football league, and by the 1960s newspapers identified Tucker as “DeKalb’s Area of Golden Opportunity.” The post–World War II baby boom drove the growth of DeKalb County schools and with the affordability of the car, the expansion of the highway system, and inexpensive fuel, Tucker became an ideal location to call home.
Tucker is located in northeastern DeKalb County at 33°51′6″N 84°13′17″W / 33.85167°N 84.22139°W (33.851736, -84.221524), approximately 15 miles (24 km) northeast of downtown Atlanta. According to the United States Census Bureau, the CDP has a total area of 12.1 square miles (31 km), of which 12.0 square miles (31 km) is land and 0.1 square miles (0.26 km), or 0.83%, is water.
The Eastern Continental Divide cuts through Tucker, along Chamblee-Tucker Road to LaVista Road and continuing south towards Mountain Industrial Boulevard. Water falling to the west of this line flows towards the Chattahoochee River and the Gulf of Mexico. Water falling to the east of this line flows towards the Atlantic Ocean through the Ocmulgee River.
Tucker is in the state’s Piedmont geologic region, composed of igneous and metamorphic rocks resulting from 300 to 600 million year old sediments that were subjected to high temperatures and pressures and re-exposed roughly 250 to 300 million years ago. Rocks typical of the region include schist, amphibolite, gneiss, migmatite, and granite.
Over a dozen creeks originate in Tucker including Burnt Fork Creek, South Fork Peachtree Creek, Camp Creek, and Henderson Mill Creek. Prior to the widespread accessibility of electricity and indoor plumbing, several were used as mill ponds or dammed for baptism. From 1906 until its demise in the 1940s, Burnt Fort Creek was the primary tributary for the Decatur Waterworks.
Tucker’s climate, typical of a humid subtropical climate, features mild winters and hot summers. In spite of moderate conditions compared to communities in many other states, Tucker has occasional extreme weather. The record high is 110 °F (43 °C), recorded on July 8, 1927, and the record low, January 21, 1985, −10 °F (−23 °C).
MARTA, the Metro Atlanta Rapid Trans Authority, has six daily bus routes traversing Tucker; 75 Tucker, 120 E. Ponce de Leon Ave/Tucker, 124 Pleasantdale Road, 125 Clarkston/Northlake, and 126 Northlake/Chamblee.
As of the 2020 United States census, there were 37,005 people, 14,479 households, and 8,753 families residing in the city.
According to the 2010 census, the Tucker Census-designated place (CDP) had a population of 27,581, and the racial and ethnic composition of the CDP was as follows:
As of 2012, the median income per household was $64,388, and the per capita income was $33,552. 11.4% of the population is below the poverty line, 5.6% lower than the state average.
Of the 11,894 housing units identified in 2012, the home ownership rate is 70.7% and the median value of owner occupied housing units, $233,700. Multi-unit structures (apartment complexes, condominiums) represent 22% of all housing.
Tucker primarily consists of 1960s and 1970s-era ranch and split-level homes, and 1970s and 1980s-era multi-story homes. The latter two often feature daylight basements. Various neighborhoods are typically groups by geographic association with elementary schools and other centers of community life such as parks.
The desire for community involvement continues to foster growth in various Tucker groups and associations. Some of the more significant include; the Tucker Business Association, Tucker-Northlake Community Improvement District, Tucker Civic Association, Tucker Historical Society, Main Street Theatre, Friends of Henderson Park, Friends of Johns Homestead, Friends of Kelley C. Cofer Park, Main Street Tucker Alliance, Friends of the Tucker Nature Preserve, Old Town Tucker Merchants Association, Tucker Parent Council, and Smoke Rise Community Association.
With the exception of sports organizations, involving residents in multiple counties, most of these groups are predominantly led by and serve residents within the Tucker area.
Tucker includes multiple Baptist, Lutheran, Methodist, Pentecostal, and Presbyterian churches; Catholic, Mormon, and over a dozen non-denomination Christian churches, some holding services in Chinese, Korean, Spanish, and Vietnamese. Several churches including Rehoboth Baptist, established in 1854, and First Baptist of Tucker, established in 1893, maintain large youth athletic programs. In the 1970s, The Church of Jesus Christ of Latter-day Saints built a regional welfare and emergency response center in Royal Atlanta Business Park.
Outdoor events held on Main Street are a central part of the community for numerous residents and organizations. The Tucker Day celebration, first held in the 1950s, is an annual event typically including a parade, that runs the length of Main Street with food vendors, artist, musicians, and merchants. Other annual events on Main Street include the Taste of Tucker and Tucker Chili Cook-Off. The street is also closed for the Tucker Cruise-In held monthly between April and September. The Farmers Market on Main Street has recently moved from its position in Downtown Tucker, to a venue just outside Downtown at a church on LaVista Rd.
The Tucker Civic Association, Friends of Henderson Park, Friends of the Tucker Nature Preserve, Friends of Kelley C. Cofer Park, and neighborhood groups regularly organize park and roadside cleanup efforts. The Tucker Historical Society hosts the annual Brownings Courthouse Day and the annual Garden Tour.
The Tucker High School varsity football team, the Tucker Tigers, is a large seasonal draw for former and current Tucker alumni and residents. Like most high schools in DeKalb County, Tucker does not have a local football stadium, thus home games are technically away games.
Tucker Football League (TFL) and Triumph Youth Soccer Association (TYSA), formerly the Tucker Youth Soccer Association, are the two largest independent youth sports organizations in the community. TYSA is the largest in DeKalb County, and the fourth largest youth soccer association in Georgia. The TFL holds games and practices at the privately owned Fitzgerald Field. TYSA uses county fields at Henderson Park and the privately owned Granite – Patillo Field.
Adult sports include road bicycle racing. The weekly 42-mile (68 km) Tucker Ride and Baby Tucker. According to Southeastern Cycling, “This is where the big boys and racers show up to play.”
The Tucker ride maintains speeds over 24-mile (39 km) per hour. The Baby Tucker is slightly less strenuous at 20-mile (32 km) per hour.
According to data from 2007, the Tucker CDP had 3,709 businesses, and the ethnic composition of the owners was as follows:
More demographic figures:
Tucker serves as corporate headquarters for several nationally recognized companies including; Oglethorpe Power, YP Holdings (Publisher of ‘’The Real Yellow Pages’’), Primo Grills and Smokers, and Inland Seafood. Tucker is also home of the U.S. Poultry & Egg Association the Emory University Orthopaedics and Spine Hospital, the Montreal Industrial district, a portion of the Northlake retail area, and Royal Atlanta Business Park. Just Bakery of Atlanta also has a storefront in Tucker.
In February 2013, DeKalb County Board of Commissioners approved the formation of the Tucker Community Improvement District (CID). In August 2014 the Tucker CID changed its name to Tucker-Northlake CID to reflect expansion into the Northlake business district. Tucker is also home to the Stone Mountain CID along Mountain Industrial Boulevard.
Commercial property owners in both districts vote on a self-imposed millage rate increase and use the funds for community improvements. The tax and millage rate increase applies to commercial property only and not residential. Under Georgia law CID funds may be used for street and road construction and maintenance, parks and recreation area, public transportation, and other services. CID investments are often leveraged through state and local grants increasing return on investment.
Tucker is in Georgia’s 4th and 6th Congressional Districts; Georgia State Senate Districts 40 and 41; and Georgia House of Representatives House Districts 81, 86, 87, and 88.
Tucker is in DeKalb County Commission Districts 1 and 4 and Super Commission District 7.
In a November 2015 referendum, 74% of voters approved incorporating Tucker into a city. In March 2016, residents elected Frank Auman the city’s first mayor, and Honey VanDeKreke, Matt Robbins, Michelle Penkava, William Rosenfield, Noelle Monferdini, and Anne Lerner its inaugural city council.
In the Tucker CDP, 91.4% of adults have graduated high school, 7% higher than the state average, and 46.8% of adults age 25 or older have a bachelor’s degree or higher, 19% higher than the state average.
All public schools in Tucker operate under the jurisdiction DeKalb County School District. The DeKalb County School District’s Sam A. Moss Service Center is also located in Tucker.
Tucker owes the origins of its infrastructure in large measure to the efforts of former DeKalb County Commissioner, Scott Candler Sr. In the 1940s and 50s Candler brought resources typically reserved for cities to rural communities. Road improvements, public safety, water, and library resources were pushed to the far ends of the County under his administration. Tucker residents continued the tradition of expansion by maintaining and improving these resources throughout the 1960s, 70s, and 80s. Local businesses like Cofer Brothers, a lumber and supply company, thrived under the mid-century housing boom.
DeKalb County continues to acquire green space in Tucker, invest in road improvement projects, and work with local committees and organizations to improve the area.
In 2000, the Tucker Civic Association adopted a Neighborhood Strategic Plan created to assist in identifying goals and policies from the 1996 DeKalb County
Comprehensive Land Use Plan, and to make recommendations for strategic planning and development of the Tucker neighborhood identity. In 2005, the Atlanta Regional Commission issued Tucker a grant for the development of a Livable Cities Initiative (LCI). The LCI study focused to reestablishing Main Street as a central point for the greater Tucker community, create a more pedestrian-friendly and interconnected town center by encouraging walking and other modes of transportation to and around the commercial core.
In 2008 the DeKalb County Board of Commissioners approved the Tucker Overlay District enabling local business to improve the downtown area.
In 2006 the DeKalb County Police Department headquarters relocated to Tucker off Northlake Parkway. The Tucker Precinct is located next to the Cofer Crossing Shopping Center.
Tucker is also home to DeKalb County Fire and Rescue Department’s Station 5 on Lawrenceville Hwy, and Station 22 on Montreal Road. The portion of Tucker in Gwinnett County is serviced by Gwinnett Police Department, North and South Precincts, and by Gwinnett County Fire Department Station 2 on Harmony Grove Road.
The Tucker zip code is home to over 230 acres (93 ha) of DeKalb County parks and recreation areas including lakes, creeks, trails, tennis courts, baseball and soccer fields, a swimming pool, and playgrounds.
The DeKalb County Public Library operates two branches in Tucker. The Tucker-Reid H. Cofer Library, and the Northlake-Barbara Loar Library.
The Tucker-Reid H. Cofer area branch open on Church Street in 1965. In 2010, the library moved to a 25,000 square foot facility at the intersection of LaVista Road and Lawrenceville Highway. The new facility received LEED Gold Certification from the U.S. Green Building Council.
In 1991, the county built a second library on LaVista Road in Tucker, the Northlake Barbara-Loar community branch, approximately 3.4 miles west of the Tucker-Reid H. Cofer branch. In 2009, the library expanded from 10,000 square feet to 15,000 square feet.