Cheapest Owner Operators Truck Insurance Victoria, Texas
JDW Truckers Insurance can answer your questions regarding Cheapest Owner Operators Truck Insurance Victoria, 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 Victoria, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Victoria, 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.
Victoria is a small city in South Texas and county seat of Victoria County, Texas. The population was 65,534 as of the 2020 census. The three counties of the Victoria Metropolitan Statistical Area had a population of 111,163 as of the 2000 census. Its elevation is 95 ft (29 m).
Victoria is located 30 miles inland from the Gulf of Mexico. Victoria is a two-hour drive from Corpus Christi, Houston, San Antonio, and Austin.
Victoria is named for General Guadalupe Victoria, who became the first president of independent Mexico. Victoria is the cathedral city of the Roman Catholic Diocese of Victoria in Texas.
The city of Guadalupe Victoria was founded in 1824 by Martín De León, a Mexican empresario, in honor of Guadalupe Victoria, the first President of the Republic of Mexico. Victoria was initially part of De León’s Colony, which had been founded that same year. By 1834, the town had a population of approximately 300.
During the Texas Revolution, Guadalupe Victoria contributed soldiers and supplies to pro-revolutionary forces. However, after James Fannin was defeated by the Mexican army at the Battle of Coleto, the town was occupied by Mexican forces. After Santa Anna was defeated at the Battle of San Jacinto, the town’s Mexican residents were driven out by Anglo settlers, who renamed it Victoria.
In 1840, a Comanche raid on nearby Linnville killed many residents of the town. A cholera outbreak occurred in 1846.
During the mid-19th century, the city developed a large population of European immigrants, particularly Germans. By the turn of the 20th century, Victoria was experiencing rapid population growth thanks to its position as a regional trade center. The city’s advantageous proximity to Gulf Coast ports, the larger cities of San Antonio, Austin, and Corpus Christi, and prosperous industries in agriculture and petrochemicals solidified its prominence.
The University of Houston–Victoria was founded in 1971 and remains there today.
Victoria is located on the coastal plains of Texas about 50 mi (80 km) from the Gulf of Mexico and 20 mi (32 km) from the nearest bay waters. It lies along and just to the east of the Guadalupe River. The topography is mostly flat to slightly rolling with an average elevation of 95 ft (29 m). Most of the city is underlain by smectite-rich clay which is locally capped by silt or fine sand; the high shrink-swell potential associated with smectite creates major challenges to urban infrastructure. Vegetation in better-drained areas consists primarily of short grasses with post oaks and other small timber and brush. Moist sites can grow tall forests dominated by elm and pecan.
Victoria is classified as having a humid subtropical climate. June through August is very hot and humid with high temperatures regularly exceeding 100 °F (38 °C). The record high temperature of 111 °F (43.9 °C) was recorded in September 2000. Spring and autumn are generally mild to warm with lower humidity. Winters are mild with occasional cold spells. The record low temperature was recorded in December 1989, when the temperature dropped to 9 °F (−12.8 °C). Snow is very infrequent, usually occurring on average once every 11 years. On December 24–25, 2004, Victoria recorded its first White Christmas ever when 12.5 in (32 cm) of snow fell.
Average monthly precipitation is lowest in winter and has a secondary minimum in August, with intense heat and humidity prevailing. On average, the wettest months are May, June, September and October (the last two of these due to significant threat from tropical weather systems, including hurricanes, which can produce torrential rainfalls some years).
Victoria has occasional severe weather, mostly from flooding. Hurricanes have the potential to bring severe damage to the area. Hurricane Claudette in July 2003 was the last hurricane to score a direct hit on the city. During this event, winds gusted to 83 mph (134 km/h) at the Victoria Regional Airport and 90% of the city lost power. The most intense hurricane to affect Victoria remains Hurricane Carla in September 1961.
In May 2013, a rare tornado hit Victoria on a Saturday afternoon with tornado warnings everywhere from Corpus Christi to the southeast Houston/Sugarland Metro area. A short-lived tornado took a swipe at an open field northeast of Victoria, dodging all structures and causing no injuries but kicking up dirt and debris visible for miles. Tornadoes striking the area are commonly associated with hurricanes and are otherwise rare. https://www.victoriaadvocate.com/news/2013/may/26/ew_tornado_052613_210572/
As of the 2020 United States census, there were 65,534 people, 23,724 households, and 15,560 families residing in the city. As of census of 2000, 60,603 people, 22,129 households, and 15,755 families resided in the city. The population density was 1,838.3 inhabitants per square mile (709.8/km2). There were 24,192 housing units at an average density of 733.8 per square mile (283.3/km). The racial makeup of the city was 55.2% White, Hispanic or Latino of any race were 42.4% of the population, 7.59% African American, 0.51% Native American, 1.01% Asian, 0.04% Pacific Islander, 17.31% from other races, and 2.35% from two or more races.
Of the 22,129 households, 36.1% had children under the age of 18 living with them, 52.4% were married couples living together, 14.3% had a female householder with no husband present, and 28.8% were not families. About 24.5% of all households were made up of an individual, and 10.0% had someone living alone who was 65 years of age or older. The average household size was 2.68 and the average family size was 3.21.
In the city, the population was distributed as 28.8% under the age of 18, 9.7% from 18 to 24, 28.0% from 25 to 44, 21.0% from 45 to 64, and 12.6% who were 65 years of age or older. The median age was 34 years. For every 100 females, there were 92.6 males. For every 100 females age 18 and over, there were 88.8 males.
The median income for a household in the city was $36,829, and for a family was $42,866. Males had a median income of $34,184 versus $21,161 for females. The per capita income for the city was $19,009. About 12.2% of families and 14.7% of the population were below the poverty line, including 20.4% of those under the age of 18 and 12.2% ages 65 or older.
Victoria is administered by a city council of seven members. The council is composed of six council members and an elected mayor, accompanied by a hired city manager under the manager-council system of municipal governance. The council is elected under four single-member districts (numbered 1 through 4), two “super districts” (numbered 5 and 6; Super District 5 overlays Districts 1 and 2 while Super District 6 overlays Districts 3 and 4); the mayor is elected at-large.
Victoria also serves as the county seat of Victoria County.
The Victoria Independent School District serves the city. Victoria has several private education options including Trinity Episcopal School, Faith Academy, Northside Baptist School, Our Lady of Victory School, Nazareth Academy, and St. Joseph High School.
Victoria College, a two-year community college, and the University of Houston–Victoria, a separate independent four-year campus of the University of Houston System, provide post-secondary educational opportunities.
Victoria’s economy is a mix of education, health, retail, agriculture, and industry. Its access to major highways, the Victoria Regional Airport, railway terminals, the shallow draft Port of Victoria, and the deep water Port of Port Lavaca-Point Comfort help to sustain a healthy environment for business. Major industrial employers in the region include Formosa Plastics Corp, Inteplast Group, Dow, Invista, Caterpillar and Alcoa.
Victoria has many performing arts and theatre events and venues. Theatre Victoria offers six productions in a season that runs from July to May. Performances are held in the newly renovated Leo J. Welder Center, a fully equipped, modern performing space located downtown. The Victoria Symphony Orchestra and Victoria Ballet provide several performances each year.
For a week each June, the Victoria Bach Festival welcomes musicians from across the country to fill theatres, churches, and outdoor spaces with engaging musical performances.
Several museums are located in Victoria. They include the McNamara House (a social history museum), the Nave (art), the Children’s Discovery Museum, and the Museum of the Coastal Bend (MCB). The MCB showcases the rich multicultural heritage of the region, and includes prominent displays of artifacts found from La Salle’s colony in the late 17th century.
The Victoria Art League is home to many local artists and is located in one of the Texas Registered Historical Landmark buildings at 905 S. Bridge Street. The building was built in 1898 and has been the home of the Victoria Art League since 1999. The Victoria Art League is the only visual arts organization in Victoria.
Presidio La Bahia and Mission Espiritu Santo are located a short 30-minute drive from Victoria. La Bahia is the best-preserved Spanish presidio in the United States, and Espiritu Santo is an excellent example of an early Spanish colonial church and mission.
Victoria’s 562-acre (2.27-km) Riverside Park is home to the Texas Zoo, which houses more than 200 species of animals and plants indigenous to Texas, exhibiting them in their natural habitats. The park is also home to more than 15 baseball fields which are occupied during the spring and summer by teams from the Victoria Metro region. Also in Riverside Park on the Guadalupe River is the Victoria Paddling trail. This 4.2-mile stretch of the Guadalupe River is bordered by soft banks rather than the limestone bluffs of the Hill Country.
Boating and freshwater fishing are available at two area reservoirs, Lake Texana and Coleto Lake. Many residents also take advantage of the nearby Gulf of Mexico. Port O’Connor, 50 miles to the southeast, is renowned for bay, off-shore and wade fishing.
Three golf courses are located in Victoria: the Victoria Country Club, Riverside Golf Course, and Colony Creek Country Club.
The major shopping center is Victoria Mall.
The UHV Jaguars compete in baseball, softball, soccer, and golf as a member of the Red River Athletic Conference in the National Association of Intercollegiate Athletics (NAIA) Division I.
The Victoria Generals compete in the Texas Collegiate League, a summer baseball league. The Generals won the 2010 TCL championship.
The daily newspaper is The Victoria Advocate. Additionally, the University of Houston–Victoria publishes The Flame.
KMOL-LD (channel 17) is Victoria’s NBC affiliate, carrying Movies! on 17.2; it is owned and operated by Morgan Murphy Media.
KVCT (channel 19) is Victoria’s Fox affiliate, simulcasting Telemundo on 19.2; carrying The CW Plus on 19.3 and This TV on 19.4; it is owned by SagamoreHill Broadcasting and operated by Morgan Murphy Media.
KUNU-LD (channel 21) is Victoria’s Univision affiliate, carrying Dabl on 21.2; it is owned and operated by Morgan Murphy Media.
KAVU-TV (channel 25) is Victoria’s ABC affiliate, simulcasting NBC on 25.2 and CBS on 25.3; carrying AccuWeather on 25.4 and Ion Television on 25.5; it is owned and operated by Morgan Murphy Media.
KQZY-LD (channel 33) is Victoria’s Cozi TV affiliate, carrying MeTV on 33.2; it is owned and operated by Morgan Murphy Media.
KXTS-LD (channel 41) is Victoria’s CBS affiliate, carrying Antenna TV on 41.2; it is owned and operated by Morgan Murphy Media.
KVTX-LD (channel 45) is Victoria’s Telemundo affiliate; it is owned and operated by Morgan Murphy Media.
PBS programming is provided by KUHT (channel 8) in Houston and KLRN (channel 9) in San Antonio, which share the Victoria market.
DeLeon Plaza and Bandstand, originally known as ‘Plaza de la Constitucion’, was one of four public squares set aside by colony founder Martin de Leon. The plaza is filled with local monuments and memorials, shade trees, a bandstand built in 1890, and information about the six flags over Texas.
The Victoria County Courthouse, located at Bridge and Constitution Streets, was built in 1892 in Romanesque architecture by James R. Gordan in the style of Henry Richardson. The structure is made of Texas granite and Indiana limestone.
Fossati’s Delicatessen is located in downtown Victoria, it was opened in 1882 by Italian immigrant Fraschio (“Frank”) Napoleon Fossati. After 125 years, Fossati’s is still owned and operated by the same family.
Downtown Victoria has the second-oldest Roman Catholic Church in Texas and first to be canonically established in the Republic of Texas, St. Mary’s Church.
The Islamic Center of Victoria is a mosque in Victoria. It was burned down on January 28, 2017. By January 31, more than $950,000 had been raised to rebuild it. In June, 2017, a Texas man, named Marq Vincent Perez, was indicted on federal hate crime charges for the arson attack on the Islamic Center and mosque.
Victoria is located at the intersection of three major U.S. highways:
Victoria is a regional transportation hub for the surrounding counties, with local access to major large and small freight carriers, Victoria Regional Airport, railway terminals, the shallow draft Port of Victoria and the deep water Port of Port Lavaca – Point Comfort.
In 2002, Victoria Transit began operation of a citywide transportation system. It currently offers bus service on four fixed routes consisting of 70 stops.