Owner Operator Insurance Cost Abilene, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Abilene, 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 Abilene, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Abilene, 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.
Abilene ( AB-i-leen) is a city in Taylor and Jones County, Texas, United States. Its population was 125,182 at the 2020 census. It is the principal city of the Abilene metropolitan statistical area, which had an estimated population of 169,893, as of 2016. Abilene is home to three Christian universities: Abilene Christian University, McMurry University, and Hardin–Simmons University. It is the county seat of Taylor County. Dyess Air Force Base is located on the west side of the city.
Abilene is located on Interstate 20. I-20 forms a rounded bypass loop along the northern side of the city, between exits 279 on its western edge and 292 on the east. The city is located 150 miles (240 km) west of Fort Worth. Multiple freeways form a loop surrounding the city’s core: I-20 on the north, US 83/84/277 on the west, and Loop 322 to the east. The former Texas and Pacific Railway, now part of the Union Pacific mainline, divides the city into well-established north and south zones. The historic downtown area is on the north side of the railroad, while the growing South Of Downtown Abilene “SODA” district is located on the south side of the tracks.
Established by cattlemen as a stock shipping point on the Texas and Pacific Railway in 1881, the city was named after Abilene, Kansas, the original endpoint for the Chisholm Trail. The T&P had bypassed the town of Buffalo Gap, the county seat at the time. Eventually, a landowner north of Buffalo Gap, Clabe Merchant, known as the father of Abilene, chose the name for the new town. According to a Dallas newspaper, about 800 people had already begun camping at the townsite before the lots were sold. The town was laid out by Colonel J. Stoddard Johnson, and the auction of lots began early on March 15, 1881. By the end of the first day, 139 lots were sold for a total of $23,810, and another 178 lots were sold the next day for $27,550.
Abilene was incorporated soon after being founded in 1881, and residents began to set their sights on bringing the county seat to Abilene. In a three-to-one vote, they won the county election to do so. In 1888, the Progressive Committee was formed to attract businesses to the area, and in 1890 renamed itself as the Board of Trade. By 1900, 3,411 people lived in Abilene. In that decade, the Board of Trade changed its name to the 25,000 Club, in the hope of reaching a population of 25,000 by the next census. By 1910, though, the population had increased only to 9,204. Another group was formed, the Young Men’s Booster Club, which became the Abilene Chamber of Commerce in 1914.
The cornerstone was laid in 1891 for Simmons College, the first of three universities in Abilene. It later developed as Hardin–Simmons University. Childers Classical Institute was founded in 1906, and developed as Abilene Christian University, the largest of the three. In 1923, McMurry College was founded; it later expanded its offerings as McMurry University.
In the late 20th century, Abilene succeeded in gaining branches of Texas State Technical College and Cisco College. Headquarters of the latter institution are located in the city.
In 1940, Abilene raised the money to purchase land to attract establishment of a U.S. Army base, southwest of town. It was named Camp Barkeley. When fully operational, it was twice the size of Abilene, with 60,000 men. When the base closed after World War II, many worried that Abilene could become a ghost town, but as the national economy boomed, many veterans returned to start businesses in Abilene.
In the early-1950s, to advocate for an Air Force base, residents raised US$893,261 (equivalent to about $10,070,945 in 2022) to purchase 3,400 acres (14 km) of land. The Southern block of Congressmen gained approval for such a base here. For decades, Dyess Air Force Base has been the city’s largest employer, with 6076 employees in 2007.
From 1950 to 1960, Abilene’s population nearly doubled, from 45,570 to 90,638. In 1960, a second high school was added to the city’s school system, Cooper High School.
In 1966, the Abilene Zoo was established near Abilene Regional Airport. The following year, one of the most important bond elections in the city’s history passed for the funding of the construction of the Abilene Civic Center and the Taylor County Coliseum, as well as major improvements to Abilene Regional Airport. In 1969, the Woodson elementary and high school for black students closed as the city integrated its school system, more than 10 years after the US Supreme Court’s ruling in Brown v. Board of Education (1954) that segregation of public schools was unconstitutional.
In 1982, Abilene became the first city in Texas to create a downtown reinvestment zone. Texas State Technical College opened an Abilene branch three years later. The 2,250-bed French Robertson Prison Unit was built in 1989. A half-cent sales tax earmarked for economic development was created after the decline in the petroleum business in the 1980s. A branch of Cisco College was located in the city in 1990.
Several major projects of restoration and new construction: The Grace Museum and Paramount Theatre, and development of Artwalk in 1992, sparked a decade of downtown revitalization. In 2004, Frontier Texas!, a multimedia museum highlighting the history of the area from 1780 to 1880, was constructed. That year an $8 million, 38-acre (150,000 m) Cisco Junior College campus was built at Loop 322 and Industrial Boulevard. Simultaneously, subdivisions and businesses started locating along the freeway, on the same side as the CC campus. This area attracted Abilene growth on the Loop.
Abilene has become the commercial, retail, medical, and transportation hub of a 19-county area more commonly known as “The Big Country”, but also known as the “Texas Midwest”. It is part of the Central Great Plains ecoregion. By the end of 2005, commercial and residential development had reached record levels in and around the city.
Abilene is located in northeastern Taylor County. The city limits extend north into Jones County. Interstate 20 leads east 149 miles (240 km) to Fort Worth and west 148 miles (238 km) to Midland. Three U.S. highways pass through the city. US 83 runs west of the city center, leading north 24 miles (39 km) to Anson and south 55 miles (89 km) to Ballinger. US 84 runs with US 83 through the southwest part of the city but leads southeast 52 miles (84 km) to Coleman and west with I-20 40 miles (64 km) to Sweetwater. US 277 follows US 83 around the northwest side of the city and north to Anson, but heads southwest from Abilene 89 miles (143 km) to San Angelo.
According to the United States Census Bureau, Abilene has a total area of 112.2 sq mi (290.6 km), of which 106.8 sq mi (276.6 km) are land and 5.4 sq mi (14.0 km) are covered by water (4.82%). The water area is mainly from three reservoirs in the city: Lytle Lake southeast of downtown on the western edge of Abilene Regional Airport, Kirby Lake on the southeast corner of the US 83/84 and Loop 322 interchange, and Lake Fort Phantom Hill in Jones County in northern Abilene. Clear Creek runs through the city just east of downtown, flowing north to Elm Creek and ultimately part of the Brazos River watershed.
The fastest-growing sections of the city are in the southwest, along Southwest Drive, the Winters Freeway, and the Buffalo Gap Road corridor; the southeast, along Loop 322, Oldham Lane, Industrial Drive, and Maple Street; and in the northeast near the intersection of SH 351 and I-20. Many developments have begun in these three areas within the last few years with a citywide focus on the reinvigoration of downtown Abilene.
According to the Köppen climate classification, Abilene lies at the edge of a humid subtropical climate, with areas to the west being semiarid.
Notable and historical buildings in Abilene include:
As of the census of 2000, 115,930 people, 41,570 households, and 28,101 families resided in the city. The population density was 1,102.7 inhabitants per square mile (425.8/km). The 45,618 housing units averaged 433.9 per square mile (167.5/km). As of the 2010 census, Abilene had a population of 117,063. In 2020, its population was 125,182, with 43,607 households and 28,118 families residing in the city.
In 2000, the racial makeup of the city was 78.07% white, 8.81% African American, 0.55% Native American, 1.33% Asian, 0.07% Pacific Islander, 8.73% from other races, and 2.44% from two or more races. Hispanics or Latinos of any race were 19.45% of the population. The racial and ethnic makeup of the population in 2010 was 62.4% non-Hispanic White, 9.6% Black or African American, 0.7% Native American, 1.7% Asian, 0.1% Pacific Islander, 0.1% non-Hispanic reporting some other race, 3.3% of two or more races, and 24.5% Hispanic or Latino. By 2020, its racial and ethnic composition was 56.23% non-Hispanic white, 9.78% Black or African American, 0.4% Native American, 2.14% Asian, 0.11% Pacific Islander, 0.31% some other race, 4.16% multiracial, and 26.87% Hispanic or Latino of any race.
At the 2000 census, the median income for a household in the city was $33,007, and for a family was $40,028. Males had a median income of $28,078 versus $20,918 for females. The per capita income for the city was $16,577. About 10.9% of families and 15.4% of the population were below the poverty line, including 18.6% of those under age 18 and 9.2% of those age 65 or over. At the 2020 American Community Survey, the median household income in the city was $52,518. The mean household income was $70,807.
The economy in Abilene was originally based on the livestock and agricultural sectors, but is now based strongly on government, education, healthcare, and manufacturing. The petroleum industry is prevalent in the surrounding area, also. The city has established incentives to bring new businesses to the area, including job training grants, relocation grants, and more.
The top 15 employers in Abilene, as of December 2019, were:
The Texas Department of Criminal Justice (TDCJ) operates the Abilene District Parole Office in the city. The Robertson Unit prison and the Middleton Unit transfer unit are in Abilene and in Jones County.
The United States Postal Service operates the Abilene Post Office and the Abilene Southern Hills Post Office.
On June 17, 2017, Abilene elected its first African-American mayor, Anthony Williams.
Abilene has two school districts within the city limits: Abilene Independent School District (AISD) and Wylie Independent School District (WISD). High schools include Abilene High School and Cooper High School of AISD, and Wylie High School of WISD.
Abilene is home to six colleges, three of which are religiously affiliated. Hardin–Simmons University is the oldest, founded in 1891. Abilene Christian University is the largest with 2012 undergraduate enrollment at 4,371.
Hendrick Medical Center includes two large hospital campuses on the north and south sides of Abilene, and is one of the city’s largest employers. It is one of seven healthcare institutions affiliated with the Baptist General Convention of Texas.
The Presbyterian Medical Care Mission was founded in 1983 as a medical and dental clinic. Its services are focused to low-income individuals and families without insurance.
The cultural aspects of Abilene revolve around a mix of the local college and university campuses, the agriculture community of the surrounding area, and a growing nightlife scene in the downtown area. Abilene is also home to the restored Paramount Theatre, the Abilene Philharmonic Orchestra, the Grace Museum, the Center for Contemporary Arts, the National Center for Children’s Illustrated Literature, The Abilene Zoo, Frontier Texas!, the 12th Armored Division Museum, the Taylor County Expo Center, the Abilene Convention Center, six libraries (three private, three public), 26 public parks, six television stations, a daily newspaper, and several radio stations, including one NPR station (89.5 KACU).
The Abilene Reporter-News is the primary daily newspaper of the city of Abilene and the surrounding Big Country area.
The city of Abilene is served by Abilene Regional Airport.
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
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UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.