Cheapest Owner Operators Truck Insurance Saint Peters, Missouri
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Saint Peters, Missouri. 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 Saint Peters, Missouri with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Saint Peters, Missouri 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.
St. Peters is a city in St. Charles County, Missouri, United States. The population was 57,732 at the 2020 census, making it the eleventh-largest city in Missouri. It is a northwestern suburb of St. Louis.
Interstate 70 passes through the city, providing a major transportation link. In 2008, St. Peters was named the 60th best place to live by Money magazine, putting it at the top in the state of Missouri. It also ranked in Money magazine’s Top 100 in 2010, 2012 and 2017. The city also hosts the county’s largest shopping center, Mid Rivers Mall.
Prior to the arrival of Europeans, the area that would become St. Peters was inhabited by Mississippian mound builders. The remains of a village were uncovered during the construction of I-70 in 1954 and a street near the site was later named Mound Drive after the mounds built by the villagers.
One of the first documented sources about European settlers in the area is a Spanish census from 1791, which documented a land grant. St. Peters was named for a Jesuit mission established there. In 1895, music was a binding factor for the area, with a well-known cornet band.
Throughout most of the twentieth century, St. Peters was a small farming town. As recently as 1970, St. Peters had a population of only 486. The population rapidly increased to 15,700 by 1980 and within the span of a decade the community changed from a small rural town to a more suburban community. The city continued its rapid growth through the 1980s and by 1990 had a population of 40,660. St. Peters population increased to an estimated 52,575 as of 2010. St.Peters celebrated its 50th year as a city in 2009, and marked its 100th year as a town in 2010, having become a town in 1910 and a city in 1959.
During flooding in the region, the National Weather Service reported 12.3 inches (310 mm) of rainfall in St. Peters for July 26, 2022, considered an unofficial record.
St. Peters is located at 38°46′44″N 90°36′11″W / 38.77889°N 90.60306°W (38.778893, -90.603131). According to the United States Census Bureau, the city has a total area of 22.37 square miles (57.94 km2), all land.
As of the census of 2010, there were 52,575 people, 20,861 households, and 14,244 families residing in the city. The population density was 2,350.2 inhabitants per square mile (907.4/km2). There were 21,717 housing units at an average density of 970.8 per square mile (374.8/km). The racial makeup of the city was 91.7% White, 3.7% African American, 0.2% Native American, 1.8% Asian, 0.1% Pacific Islander, 0.8% from other races, and 1.8% from two or more races. Hispanic or Latino of any race were 2.5% of the population.
There were 20,861 households, of which 33.0% had children under the age of 18 living with them, 53.8% were married couples living together, 10.0% had a female householder with no husband present, 4.5% had a male householder with no wife present, and 31.7% were non-families. 26.3% of all households were made up of individuals, and 9.5% had someone living alone who was 65 years of age or older. The average household size was 2.51 and the average family size was 3.05.
The median age in the city was 38.8 years. 23.2% of residents were under the age of 18; 8.3% were between the ages of 18 and 24; 26.9% were from 25 to 44; 30% were from 45 to 64; and 11.4% were 65 years of age or older. The gender makeup of the city was 48.2% male and 51.8% female.
As of the census of 2000, there were 51,381 people, 18,435 households, and 13,936 families residing in the city. The population density was 2,425.5 inhabitants per square mile (936.5/km2). There were 18,776 housing units at an average density of 886.3 per square mile (342.2/km). The racial makeup of the city was 94.25% White, 2.80% African American, 0.20% Native American, 1.23% Asian, 0.01% Pacific Islander, 0.44% from other races, and 1.07% from two or more races. Hispanic or Latino of any race were 1.49% of the population.
There were 18,435 households, out of which 42.3% had children under the age of 18 living with them, 62.8% were married couples living together, 9.7% had a female householder with no husband present, and 24.4% were non-families. 20.3% of all households were made up of individuals, and 6.4% had someone living alone who was 65 years of age or older. The average household size was 2.78 and the average family size was 3.24.
In the city the population was spread out, with 30.0% under the age of 18, 7.4% from 18 to 24, 33.5% from 25 to 44, 21.3% from 45 to 64, and 7.8% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 95.0 males. For every 100 females age 18 and over, there were 90.6 males.
The median income for a household in the city was $57,898, and the median income for a family was $65,123. Males had a median income of $45,497 versus $30,295 for females. The per capita income for the city was $22,792. About 1.5% of families and 2.7% of the population were below the poverty line, including 2.6% of those under age 18 and 5.1% of those age 65 or over.
The St. Peters Rec-Plex, a 236,000 sq ft (21,900 m) family recreation and athletic training complex, is situated next to St. Peters City Hall. The Rec-Plex hosted the 2004 Olympic Diving Trials and is recognized as one of the USA’s premier diving facilities. The Rec-Plex underwent an $18.5 million expansion in 2007.
St. Peters is home to Barnes-Jewish St. Peters Hospital, the county’s second busiest after St. Joseph Health Center in St. Charles. Barnes-Jewish St. Peters Hospital serves a large portion of St. Charles County, Lincoln County, and Pike County; it is St. Charles County’s second largest hospital, with 175 rooms, and a satellite location of the Alvin J. Siteman Cancer Center.
The Spencer Road Branch library, the largest and busiest within the St. Charles City-County Library District, is in St. Peters.
The city’s “Recycle City” opened in April 1997 and has the ability to recycle various types of material which is then sold to companies that use recycled goods in products. In 2007, Recycle City recycled 12,522,767 pounds of material.
St. Peters has the most extensive park system in St. Charles County. The city has over 1,000 acres (4,000,000 m) of parks and trails. Outdoor amenities include: recreation trails, playgrounds, picnic shelters and pavilions, athletic fields, fishing ponds, and landscape areas.
Citizens elect a mayor and eight aldermen (two for each of four wards) to govern the city. The Mayor and Board of Aldermen appoint individuals to the positions of City Collector, City Clerk, and City Treasurer. A Municipal Judge of the 11th Judicial Circuit, also known as the St. Peters Municipal Court, has a four-year term. A City Administrator also works for the Mayor and Board of Aldermen.
The Board of Aldermen meets on the second and fourth Thursdays of each month, except the months of June, July, November and December when one meeting is held each month on a date scheduled with the Mayor.
City elections are held in April, per Missouri law for elected officials. Propositions may be voted upon at these elections, or others held in February, August or November.
Mayor – Len Pagano
Aldermen
Ward 1 – Joyce Townsend and Rocky Reitmeyer
Ward 2 – Judy Bateman and Gregg Sartorius
Ward 3 – Terri Violet and Melissa Reimer
Ward 4 – Nick Trupiano and Patrick Barclay
Three public high schools are within St. Peters city limits: Fort Zumwalt South High School with an enrollment of 1,700 students, Francis Howell North High School (2,100 students), and Fort Zumwalt East High School (1,100 students) which opened in 2007. Some high school students from St. Peters attend schools in surrounding communities such as Francis Howell Central High School in neighboring Cottleville, and Fort Zumwalt North and Fort Zumwalt West High Schools in O’Fallon. Other public schools in the city include Fairmount, Hawthorn, Lewis & Clark, Mid Rivers, Progress South, St. Peters, and Warren Elementary Schools, as well as DuBray and Fort Zumwalt South Middle Schools. The city limits also contain the private Lutheran High School of St Charles County.
