Cheapest Owner Operators Truck Insurance Prattville, Alabama
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Prattville, Alabama. 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 Prattville, Alabama with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Prattville, Alabama 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.
Prattville is a city located within both Autauga and Elmore counties in the State of Alabama but serves as the county seat of Autauga County. As of the 2020 census, the population of the city was 37,781. Nicknamed “The Fountain City” due to the many artesian wells in the area, Prattville is part of the Montgomery metropolitan statistical area.
Prattville was founded in 1839 by industrialist and architect Daniel Pratt. The area was largely inhabited by Native Americans and a few settlers when Pratt, a native of Temple, New Hampshire, first observed the Autauga Creek in the 1830s. He purchased approximately 1,000 acres (4.0 km) from Joseph May at $21.00 an acre, and set out to build his manufacturing facilities and the town along the banks of Autauga Creek. The location was chosen because the creek could supply power to the cotton gin manufacturing equipment. The town became an industrial center and rapidly grew. In 1868, it was named the county seat for Autauga County.
Prattville contains several sites on the National Register of Historic Places, including the Daniel Pratt Historic District, Bell House and Buena Vista.
Prattville is located at 32°27′44″N 86°27′41″W / 32.462235°N 86.461264°W (32.462235, -86.461264). According to the U.S. Census Bureau, the city has a total area of 33.8 square miles (88 km2) of which 32.9 square miles (85 km) is land and 0.9 square miles (2.3 km2) (3.09%) is water. The city is located northwest of Montgomery and along Interstate 65 and U.S. Route 82. I-65 runs north to south east of downtown, with access from exits 179 and 181, both in the Elmore County portion of the city. I-65 leads southeast 14 mi (23 km) to downtown Montgomery and north 82 mi (132 km) to Birmingham. US 82 runs south with I-65 to downtown Montgomery, and northwest 89 mi (143 km) to Tuscaloosa.
As of the 2020 United States census, there were 37,781 people, 14,069 households, and 9,658 families residing in the city.
As of the census of 2010, there were 33,960 people, 12,711 households, and 9,305 families residing in Prattville. The population density was 1,033.6 inhabitants per square mile (399.1/km). There were 13,541 housing units at an average density of 412.1 per square mile (159.1/km2). The racial makeup of the city was 78.5% White, 16.7% Black or African American, 0.4% Native American, 1.4% Asian, 0.1% Pacific Islander, 1.1% from other races, and 1.8% from two or more races. 3.1% of the population were Hispanic or Latino of any race.
There were 12,711 households, out of which 35.5% had children under the age of 18 living with them, 55.1% were married couples living together, 4.1% had a male householder with no wife present, 14.0% had a female householder with no husband present, and 26.8% were non-families. 22.9% of all households were made up of individuals, and 7.9% had someone living alone who was 65 years of age or older. The average household size was 2.64 and the average family size was 3.12.
In the city, the age distribution of the population showed 27.1% under the age of 18, 8.5% from 18 to 24, 27.9% from 25 to 44, 24.6% from 45 to 64, and 11.9% who were 65 years of age or older. The median age was 36.3 years. For every 100 females, there were 91.1 males. For every 100 females age 18 and over, there were 87.6 males.
In 2000, the median income for a household in the city was $45,728, and the median income for a family was $51,774. Males had a median income of $36,677 versus $22,978 for females. The per capita income for the city was $19,832. 8.3% of the population and 6.4% of families were below the poverty line. Out of the total population, 9.3% of those under the age of 18 and 9.2% of those 65 and older were living below the poverty line.
According to the Köppen climate classification, Prattville has a humid subtropical climate (abbreviated Cfa).
On February 17, 2008, Prattville was hit by an EF3 tornado which destroyed more than 45 homes and businesses and damaged over 700. Twenty-nine people were injured with no fatalities. Preliminary estimates put the damage at $85 million in insured and uninsured damages.
Most of Prattville (the Autauga County portion) is part of the Autauga County School System, and has eight schools, including Prattville High School and the Autauga County Technology Center. The Elmore County portion is in the Elmore County Public School System.
Prattville Christian Academy and Autauga Academy are private schools based in the city. East Memorial Christian Academy was located in an unincorporated area of Autauga County, near Prattville, until it was closed down.
Prattville is part of the Montgomery television market. WOW! (formerly Knology) and Charter provide cable television service. DirecTV and Dish Network provide direct broadcast satellite television including both local and national channels to area residents. Prattville is also served by the twice-weekly Prattville Progress newspaper.
The city has become a popular golf destination, featuring the Capitol Hill golf courses (part of the Robert Trent Jones Golf Trail). Its Senator Course hosted the Navistar (now Yokohama Tire) LPGA Classic on the LPGA Tour from 2007 through 2012 when Navistar ended its sponsorship. There was no LPGA event at this course in 2013. The 2014 event, now known as the Yokohama Tire LPGA Classic after its new sponsor, was scheduled for September 18–21.
High Point Town Center is a large shopping center built in Prattville between 2007 and 2008. 10,000-capacity Stanley-Jensen Stadium is located in Prattville. It is mainly used for football and soccer.
Major highways that pass through the city include:
Prattville also has a small airport about 3.5 miles from downtown.
Known for the signature hill that turns into a steep curve, located on present-day 6th Street, Happy Hollow was the center of African American life in Prattville in the 1950s. This marker was erected to honor the spirit of “equality” that resonated in Happy Hollow.
Gabriel García Marquez mentions Prattville in his well-known work One Hundred Years of Solitude; Prattville is referred to as the original city of Jack Brown, the founder of the banana company.
A popular ghost-story known as “The Black Lady,” inspired by deaths caused by poor working conditions in the nearby factories of downtown Prattville, is a popular phenomenon described by most as a black, ghastly figure that goes across the nearby dam during the night hours of 1 am to 4 am and has been featured on the ghost hunting show, Deep South Paranormal.
This story, and additional Prattville ghost stories are cited by Digital Alabama.
Media related to Prattville, Alabama at Wikimedia Commons