Owner Operator Insurance Cost Cedar Park, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Cedar Park, 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 Cedar Park, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Cedar Park, 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
- Berkley Prime
- Falls Lake
- Great Lakes
- Allied World
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Tokio Marine
- National General
- Great American
- ACE / Westchester
- National Casualty / Nationwide
- Scottsdale Brokerage
- Crum Forster
- James River
- IFG – Burlington
- Carolina Casualty
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.
- 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.
- 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.
- 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.
Cedar Park is a city and a suburb of Austin in the state of Texas, approximately 16 miles (26 km) to the north-west of the center of Austin. According to the 2020 U.S. census, the city’s population was 77,595.
Before the arrival of European settlers in the 19th century, the Cedar Park area was inhabited by Native American tribes including the Tonkawa, the Lipan Apache, and the Comanche. A paleo-American archaeological site (named the Wilson-Leonard site) was discovered in Cedar Park in 1983 that showed evidence of continual habitation of the area since circa 5000 BC.
In the mid-19th century the community was known as Running Brushy, named after a spring that formed the headwaters of a creek of the same name. In 1873 George and Harriet Cluck, after having run cattle up the Chisholm Trail for many years, bought 329 acres (1.33 km) of land that included the Running Brushy spring. Their ranch formed the core of the community that would one day become Cedar Park.
Ten years later, the railroad came through. The Austin and Northwestern Railroad, which connected the state capitol with the cities of Burnet and Lampasas to the north, was finished in 1882 and passed through Running Brushy and the Cluck ranch. The community was at this point renamed Bruggerhoff, after a railroad company official. However, the name was generally disliked by locals, being both hard to spell and pronounce. In 1887, Emmett Cluck (son of George and Harriet) changed the community name to Cedar Park. In 1892, a “strolling park” of 0.5 acres (2,000 m) was built near the train depot. Austinites would ride the train to Cedar Park for day trips to the park.
Cedar Park changed little until the 1950s and 1960s when housing subdivisions began to be built, spurred by the growth of nearby Austin. On February 24, 1973, the citizens of Cedar Park voted to incorporate. The estimated population was 1,765. A library followed in 1978.
On May 27, 1997, a strong and destructive F3 tornado struck the town. The tornado was one of 20 confirmed tornadoes that occurred during the 1997 Central Texas Tornado outbreak. It devastated the downtown area of the city, killing one person and nearly destroying the Albertson’s grocery store.
Major retailers began finding their way to the city in 2002 as Walmart opened. Additional large retailers now include Super Target, multiple HEB grocery stores, Academy Sports and Outdoors, Whole Foods, Randalls, Sprouts Farmers Market, and Costco. The major shopping centers include 1890 Ranch, Cedar Park Town Center, The Parke, and the Cypress Creek Shopping Center. In December 2007, Cedar Park Regional Medical Center opened becoming the first major medical center in Cedar Park.
In 2013, the US Census Bureau named Cedar Park the 4th fastest growing city in the United States, with a population of 57,957.
On April 4, 2016, the city announced it was collecting submissions for designs for an official city flag. Residents had until April 30 to submit proposed designs. On December 9, 2016, Cedar Park unveiled the flag design that won. On August 8, 2019, the City Council voted to rescind that particular design. As of September 2021, the city has no formal flag.
Heritage Oak Tree, 400-years-old, is decorated with over 30,000 lights each year in December. It is 57 feet tall with a spread of 80 feet. The tree is located in the median on Quest Blvd in Cedar Park.
As of the 2020 United States census, there were 77,595 people, 25,061 households, and 18,589 families residing in the city.
According to the U.S. census, in 2010, there were 48,937 people living in the city, comprising 17,817 households and 12,926 families. The population density was 2,141.9 inhabitants per square mile (827.0/km). There were 8,914 housing units at an average density of 525.3 per square mile (202.8/km).
The racial makeup of the city was 81.4% White, 4.3% African American, 0.5% Native American, 5.1% Asian, 0.1% Native Hawaiian or Pacific Islander, 5.10% from other races, and 3.4% from two or more races. 19% of the population were Hispanic or Latino of any race.
There were 17,817 total households including 12,926 family households. 45.7% of all households had children under the age of 18 living with them and 13.5% of all households had an individual aged 65 years or older living with them. 21.4% of all households were made up of individuals. The average household size was 2.74 and the average family size was 3.22.
The age distribution included 32.8% aged 0 to 19; 38.8% aged 20 to 44, 21.8% aged 45 to 64, and 6.7% who were 65 years of age or older. The median age was 33.4 years.
The median income for a household in the city was $87,466.
Cedar Park is located at (30.506620, –97.830317). It lies mostly in Williamson County, although a small amount extends into Travis County.
According to the United States Census Bureau, the city has a total area of 25.6 sq mi (66 km), of which, 25.3 sq mi (66 km) of it is land and .3 sq mi (0.78 km) of it (0.88%) is water.
Cedar Park is generally bisected north to south by U.S. Route 183. A bypass route, the 183A toll road, also runs through Cedar Park and opened to traffic on March 15, 2007. Major east–west routes include RM-1431/Whitestone Boulevard and Cypress Creek/Brushy Creek Road.
Cedar Park was incorporated in 1973 with a council–manager system of local government. As of the election on May 6, 2017, Cedar Park City Council members are as follows:
The seven members serve two year terms. The mayor and council members place two, place four and place six are elected in even years. Council members place one, place three and place five are elected in odd years.
Cedar Park is represented in Texas House of Representatives by Democrat John Bucy III. In the Texas State Senate, Cedar Park is represented by Republican Charles Schwertner. In the United States House of Representatives, Cedar Park is represented by Republican John Carter.
Cedar Park is home to the Texas Stars of the American Hockey League and the Austin Spurs of the NBA G League both play home games at the H-E-B Center at Cedar Park.
A public skate park facility opened in Cedar Park in July 2010. The 15,000-square-foot (1,400 m) facility features a large bowl, mini bowl, and modern street course.
Cedar Park is served primarily by the Leander Independent School District, and is home to the Cedar Park High School Timberwolves and the Vista Ridge High School Rangers. Cedar Park won its first football state championship on December 21, 2012. The Timberwolves defeated Lancaster 17–7 at Cowboys Stadium in Arlington, winning the Class 4A, Division II state title. In 2015, the Timberwolves won both state titles in Band and Football with the latter beating Frisco Lone Star for the Class 5a, Division II state championship. Cedar Park High school is the only Texas high school to win UIL state titles in both band and football in the same year.
Neighborhoods in the southern and easternmost areas of the city are wholly or partially served by the Round Rock Independent School District. Some of these neighborhoods or the Ranch at Brushy Creek, or Walsh Trails. Some elementary schools that serve these neighborhoods are Old Town, or Patsy Sommer. The middle school Walsh, and the high school Round Rock also serve these areas.
The city is home to the Cypress Creek campus of Austin Community College, which was significantly expanded in 2008 to accommodate the area’s growing population.
The Texas Psychological Association is located in the city.
The H-E-B Center at Cedar Park (formerly known as Cedar Park Center) was completed in 2009 and hosts a wide array of live entertainment events. George Strait opened the Cedar Park Center as the first event at the Center on September 25, 2009. The H-E-B Center is also home of the Texas Stars, the AHL affiliate of the Dallas Stars, and the Austin Spurs, the G-league affiliate of the San Antonio Spurs. The center is located at the corner of New Hope Drive and 183A Toll Road.
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.
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?
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.