Cheapest Owner Operators Truck Insurance New Braunfels, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance New Braunfels, 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 New Braunfels, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in New Braunfels, 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.
New Braunfels ( BRAWN-fəlz) is a city in Comal and Guadalupe counties in the U.S. state of Texas known for its German Texan heritage. It is the seat of Comal County. The city covers 44.9 square miles (116 km) and had a population of 90,403 as of the 2020 Census. A suburb just north of San Antonio, and part of the Greater San Antonio metropolitan area, it was the third-fastest-growing city in the United States from 2010 to 2020. As of 2022, the U.S. Census Bureau estimates its population at 104,707.
New Braunfels was established in 1845 by Prince Carl of Solms-Braunfels, Commissioner General of the Mainzer Adelsverein, also known as the Noblemen’s Society. Prince Carl named the settlement in honor of his home of Solms-Braunfels, Germany.
The Adelsverein organized hundreds of people in Germany to settle in Texas. Immigrants from Germany began arriving at Galveston in July 1844. Most then traveled by ship to Indianola in December 1844, and began the overland journey to the Fisher-Miller land grant purchased by Prince Carl. At the urging of John Coffee Hays, who realized the settlers would not have time to build homes and plant crops further inland before winter, and as the German settlers were traveling inland along the Guadalupe River, they stopped near the Comal Springs. Prince Carl bought two leagues of land from Rafael Garza and Maria Antonio Veramendi Garza for $1,111.00.
The land was located northeast of San Antonio on El Camino Real de los Tejas and had the strong freshwater Comal Springs, known as Las Fontanas, when the Germans arrived. It was about halfway between Indianola and the lower portions of the Fisher-Miller land grant. The first settlers forded the Guadalupe River on Good Friday, March 21, 1845, near the present-day Faust Street bridge.
As the spring of 1845 progressed, the settlers built the “Zinkenburg”, a fort named for Adelsverein civil engineer Nicolaus Zink, divided the land, and began building homes and planting crops. Prince Carl would also lay the cornerstone for the Sophienburg, a permanent fort and center for the immigrant association.
In 1844, Prince Carl was so disillusioned with the logistics of the colonization that he asked the Verein to remove him as commissioner-general and appoint a successor. When John O. Meusebach arrived, the finances were in disarray, due in part to Prince Carl’s lack of business experience and his refusal to keep financial records. To a larger degree, the financial situation happened because the Adelsverein was an organization of noblemen with no practical backgrounds at running businesses. They were on the other side of the world and did not witness the situation with which both Prince Carl and Meusebach were dealing. Henry Francis Fisher had not supplied transport and supplies for which the Verein advanced money to him. Meusebach found Prince Carl in Galveston trying to return to Germany, detained by authorities for unpaid bills. Meusebach made good on the debts, so Prince Carl could depart.
Meusebach discovered that Prince Carl’s choice of the inadequate Carlshafen (Indianola) as a port of entry, as well as the isolated route to New Braunfels, was deliberately chosen to keep the Germans from interacting with any Americans. According to Nicolaus Zink, Prince Carl had planned to establish a German feudal state by secretly bringing in immigrants and placing them in military fortresses. Meusebach, who had renounced his own title of nobility, took a different approach and invited Americans to settle in the Vereins territory.
Prince Carl, being an officer of the Imperial Army of Austria, had kept a uniformed military unit at the ready in Indianola. Meusebach converted the military unit to a more needed work detail. A finance and business structure for the colony was put in place by Meusebach. He also provided for adequate food and shelter for the colonists. On August 11, 1845, Hermann Friedrich Seele became the first teacher for the German-English school in New Braunfels. Meusebach established friendly relations with a local tribe of Waco Indians. Upon seeing his reddish-blonde hair, they called him Ma-be-quo-si-to-mu, “Chief with the burning hair of the head”.
In May 1846, Meusebach received a letter from Count Castell informing him 4,304 emigrants were on their way to Texas. With no funds and no new settlements, the mass of emigrants was stalled at Carlshafen. Meusebach’s requests to the Verein for more money, and his warnings of pending bankruptcy for the Verein, brought no results. As a last resort, Meusebach instructed D.H. Klaener to publish the plight in the German news media. Embarrassed by the publicity, the Verein established a $60,000 letter of credit. The amount was not adequate for sustaining the total number of German emigrants in Texas, but Castell also sent Philip Cappes as special commissioner to observe the situation. Cappes had also been instructed by Castell to observe Meusebach and to secretly report back every detail. By the time Cappes departed in March 1847, he recommended another $200,000 be advanced.
Cappes invited Henry Francis Fisher to New Braunfels, in spite of Fisher not being entirely trustworthy to the Verein. As of February 11, 1845, Fisher had been involved in coercing newly arrived immigrants to sign documents stating their intent to depart from the Verein and align with Fisher’s friend Friedrich Schubbert, also known as Friedrich Strubberg.
Cappes was not in town when Meusebach was breakfast host to Fisher on December 31, 1846. Posters had mysteriously appeared about town maligning Meusebach, saying “Curses upon Meusebach the slave driver”, and inciting colonists to free themselves from his “tyranny”. A group led by Rudolph Iwonski pushed their way into Meusebach’s home, and colonist C. Herber brandished a whip. Herber was an alleged counterfeiter to whom Count Castell had awarded asylum. Meusebach and Herber shared a dislike of one another.
The colonists’ list of demands included Meusebach resigning as commissioner-general and turning the colonization over to Fisher. Meusebach kept his composure, but the group became so heated, they yelled, “Hang him!” When the estimated 120 men dispersed, Fisher was nowhere to be found. The same evening, a different group of individuals assembled and pledged to stand by Meusebach, the next day passing resolutions condemning the actions of the mob. Meusebach himself had considered leaving Texas as early as November 1845, when he wrote to Count Castell and announced his intention to resign and return to Germany. Meusebach did not feel the Adelsverein was organized enough to achieve its goals. After the mob visit in New Braunfels, he again submitted his resignation to accompany a financial report to Castell on January 23, 1847.
Meusebach had arranged with the Torrey Brothers for transporting the emigrants inland, but the United States hired the Torrey Brothers for use in the Mexican–American War.
Meusebach stabilized the community’s finances, and encouraged the settlers to establish additional neighboring communities. The largest of these secondary settlements was Fredericksburg, 80 miles (130 km) to the northwest of New Braunfels.
New Braunfels thrived, and by 1850, it was the fourth-largest city in Texas, with 1,723 people, following only Galveston, San Antonio, and Houston in population. In 1852, the Zeitung newspaper was established, edited by German Texan botanist Ferdinand Lindheimer. The newspaper continues to publish under its current name, the Herald-Zeitung.
New Braunfels is located in southeastern Comal County. The city is 32 miles (51 km) northeast of Downtown San Antonio, 19 miles (31 km) southwest of San Marcos, and 48 miles (77 km) southwest of Austin.
According to the United States Census Bureau, New Braunfels has a total area of 44.9 square miles (116.4 km), of which 44.4 square miles (115.1 km2) is land and 0.5 square miles (1.3 km), or 0.91%, is covered by water. The city is situated along the Balcones Fault, where the Texas Hill Country meets rolling prairie land. Along the fault in the city, a string of artesian springs known as Comal Springs gives rise to the Comal River, which is known as one of the shortest rivers in the world, as it winds 3 miles (5 km) through the city before meeting the Guadalupe River.
Gruene Historical District is located within the city limits of New Braunfels. Founded by the sons of settlers Ernst and Antoinette Gruene, the community had a bank, post office, school, general store, lumberyard, gristmill, dance hall, and cotton gin. It also had access to two railways for shipping cotton bales. Its most famous attribute was the dance hall, a family activity in those days. Due to the failure of the cotton crop from boll weevils, and the failure of the banks after 1929, commercial activity slowed to a crawl. This village is now a Nationally Registered Historic District where one can dine in the ruins of the original gristmill or enjoy live music at Gruene Hall.
New Braunfels experiences a humid subtropical climate, with hot, humid summers and generally mild winters. Temperatures range from 100 °F (27.8 °C) in the summer to 49 °F (9.4 °C) during winter.
The city falls in USDA hardiness zones 8b (15 °F to 20 °F) and 9a (20 °F to 25 °F). New Braunfels and San Antonio, 32 miles (51 km) to the southwest, are some of the most flood-prone regions in North America. The October 1998 Central Texas floods were among the costliest floods in United States history, resulting in $750 million in damage and 32 deaths. In 2002, from June 30 to July 7, 35 in (890 mm) of rain fell in the area, resulting in widespread flooding and 12 fatalities.
In New Braunfels, July and August tie for the average warmest months, with an average high of 95 °F (35 °C). May, June, and October have quite a bit of precipitation. The average annual precipitation has been 35.74 inches (908 mm).
As of the 2020 United States census, there were 90,403 people, 30,855 households, and 20,946 families residing in the city.
At the census of 2000, 36,494 people, 13,558 households, and 9,599 families resided in the city. The population density was 1,247.7 inhabitants per square mile (481.7/km2). The 14,896 housing units averaged 509.3 per square mile (196.6/km). The racial makeup of the city was 84.30% White, 1.37% African American, 0.55% Native American, 0.58% Asian, 0.03% Pacific Islander, 10.93% from other races, and 2.24% from two or more races. Hispanics or Latinos of any race were 34.52% of the population.
For the year 2015, New Braunfels was named the U.S.’s second-fastest growing city with a population of 50,000 or more, according to estimates by the U.S. Census Bureau.
In 2019, the American Community Survey determined there were 90,209 residents, up 56.4% since the 2010 U.S. census which determined the population was 57,740. The population density was 1,316.1 people per square mile. In 2019, the racial and ethnic makeup of New Braunfels was 60.4% non-Hispanic white, 2.0% Black or African American, 0.4% American Indian or Alaska Native, 1.5% Asian, 2.1% from two or more races, and 34.4% Hispanic or Latin American of any race. By 2020, its population grew to 90,403 residents.
The 2019 American Community Survey estimated 62.2% of housing units were owner-occupied and the median selected monthly owner costs were $1,599 with a mortgage, and $509 without a mortgage. The city had a median gross rent of $1,183 and there were a total of 28,835 households with an average of 2.72 persons per household. In 2019, the median household income was $71,044 and the per capita income was $33,405. An estimated 8.6% of New Braunfels lived at or below the poverty line.
Of the 13,558 households at the 2000 census, 33.4% had children under the age of 18 living with them, 55.4% were married couples living together, 11.5% had a female householder with no husband present, and 29.2% were not families. About 24.8% of all households were made up of individuals, and 12.0% had someone living alone who was 65 years of age or older. The average household size was 2.60 and the average family size was 3.11. In 2000, the population was distributed as 25.7% under the age of 18, 8.5% from 18 to 24, 28.4% from 25 to 44, 20.6% from 45 to 64, and 16.9% who were 65 years of age or older. The median age was 36 years. For every 100 females, there were 91.9 males. For every 100 females age 18 and over, there were 88.3 males.
The median income for a household in the city was $40,078, and for a family was $46,726 in 2000. Males had a median income of $31,140 versus $23,235 for females. The per capita income for the city was $18,548. About 9.0% of families and 10.9% of the population were below the poverty line, including 14.9% of those under age 18 and 9.7% of those age 65 or over.
Companies based in New Braunfels include Rush Enterprises and Schlitterbahn. The top employers in the area are:
Most of the city is served by the New Braunfels Independent School District and the Comal Independent School District in separate places. Small portions in Guadalupe County are within the Marion Independent School District and the Navarro Independent School District.
Two traditional public high schools are located within city limits, as well as a freshmen center. The public high schools are New Braunfels High School, Canyon High School, and Alamo Colleges-Memorial Early College High School. Private high schools are New Braunfels Christian Academy, a K–12 institution, and the Calvary Baptist Academy.
NBISD operates several schools in New Braunfels.
CISD schools serving New Braunfels are:
The town holds “Wurstfest”, a German-style sausage festival, every November, drawing on the city’s strong German heritage. Every December, the town celebrates Wassailfest in the historic downtown.
New Braunfels draws a large number of tourists, particularly in the summer because of the cold-spring rivers that run through the city. Many generations of families and college students return every summer to tube for miles down the Guadalupe and Comal rivers. New Braunfels is the site of the original water park, the Schlitterbahn WaterPark Resort. The Ernest Eikel Skate Park attracts many skate board enthusiasts.
New Braunfels also hosts a Buc-ee’s gas station, which is recognized as the largest gas station in the world.
The 10,000-capacity Unicorn Stadium is the largest sports venue by capacity in New Braunfels. It opened in 1927 and it is used mostly for American football and soccer. The venue also has an athletics track.
New Braunfels is home to the Museum of Texas Handmade Furniture, Sophienburg Museum and Archives, McKenna Children’s Museum, and Alamo Classic Car Museum.
The newspaper Herald Zeitung was originally two newspapers: The Herald (published in English) and The Zeitung, which means “newspaper”, (published in German) until 1967.
The other newspaper publisher serving the city of New Braunfels is the TX Citizen, formerly the NB citizen has been discontinued.
In radio, two stations broadcast from New Braunfels, KGNB 1420 AM/ 103.1 FM and KNBT 92.1 FM, notable for its Americana music format.