Owner Operator Insurance Cost Eagle Pass, Texas
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Cost Eagle Pass, 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 Eagle Pass, Texas with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Eagle Pass, 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.
Eagle Pass is a city in and the county seat of Maverick County in the U.S. state of Texas. Its population was 28,130 as of the 2020 census.
Eagle Pass borders the city of Piedras Negras, Coahuila, Mexico, which is to the southwest and across the Rio Grande. The Eagle Pass-Piedras Negras metropolitan area (EP-PN) is one of six binational metropolitan areas along the United States-Mexican border. As of January 2008, according to the US census, the EPPN’s population was 48,401 people, and the Piedras Negras metropolitan area’s population was 169,771.
Eagle Pass was the first American settlement on the Rio Grande. Originally known as Camp Eagle Pass, it served as a temporary outpost for the Texas militia, which had been ordered to stop illegal trade with Mexico during the Mexican–American War. Eagle Pass is so named because the contour of the hills through which the Rio Grande flows bore a fancied resemblance to the outstretched wings of an eagle.
General William Leslie Cazneau (1807–1876) founded the Eagle Pass townsite in the 1840s.
In 1850, Rick Pawless opened a trading post called Eagle Pass. In 1871, Maverick County was established, and Eagle Pass was named the county seat. During the remainder of the 19th century, schools and churches opened, the mercantile and ranching industries grew, and a railway was built.
The City of Eagle Pass was sued by the US government in 2008 to gain access to the land and construct a fence on the United States-Mexico border.
An ongoing public corruption, bid-rigging, and kickback investigation by the FBI and Texas Department of Public Safety has resulted in the arrest and imprisonment of all four Maverick County commissioners, one justice of the peace, and several local government employees and businessmen since October 2012, making it the largest public criminal probe in Eagle Pass and Maverick County history. On February 20, 2015, a federal grand jury in Del Rio indicted a county commissioner and a former county justice of the peace in connection with an alleged bribery, kickback, and bid-rigging scheme, all related to the ongoing public corruption investigation. On February 23, 2015, former Maverick County Commissioner Rodolfo Heredia was sentenced to 10 years in federal prison, followed by three years of supervised release, and ordered to perform 1,200 hours of community service after completing his prison term. He was also ordered to pay a maximum of $56,003.88 in restitution to Maverick County.
On August 8, 2012, a federal grand jury in the U.S. District Court in Del Rio indicted five Eagle Pass residents, including a former Public Works Department employee, in connection with an estimated $70,000 credit-card fraud scheme. According to the indictment, during 2011, City of Eagle Pass employee Edgar Aguilar obtained five City of Eagle Pass-owned Fuelman credit cards designated for fuel purchases for Public Works department vehicles and distributed them to his accomplices to purchase fuel for their own vehicles and to purchase fuel for others at the city’s expense. In some instances, defendants charged individuals a reduced rate for fuel purchased using the city’s credit card and then pocketed the cash. On November 29, 2012, Aguilar entered a guilty plea for the charges of theft and fraud, and on May 15, 2013, was sentenced to 42 months in federal prison and ordered to pay $68,373.87 in restitution for his role in the fraudulent scheme.
On March 30, 2017, Hector Chavez Sr., the former Eagle Pass city manager, pleaded guilty to lying to the FBI regarding a bribery scheme involving public contracts in Maverick County. Chavez, with the company Chace Management, was charged with receiving $20,000 from the owner of the engineering firm Hejl, Lee, and Associates to bribe a county commissioner to procure a $270,000 contract for the engineering firm. Chavez admitted to having given false information in 2015. Chavez was sentenced to 42 months in federal prison and three years’ supervised release on August 21, 2017.
The City of Eagle Pass is home to small and large businesses alike, but its primary sectors are in retail, import/export and manufacturing. Two of its largest manufacturers are Mossberg and MicroStar. In fact, it was in 2014 when Maverick Arms decided to expand to Eagle Pass after it received assistance from the State of Texas using the Texas Enterprise Fund.
The City of Eagle Pass and Maverick County recently adopted matching incentives policies (2020) making it easier for outside business to expand operations in the region. Incentives are handled through the City’s Economic Development Department.
Because of its location along the U.S./Mexico border, the retail sector is healthy due to the large number of visitors Eagle Pass gets from within Mexico. It is estimated that on a regular weekday, Eagle Pass gets 6,000 people come across into the U.S. vs. 10,000 on the weekend. Many of these visitors stay within the city limits to shop and eat at local restaurants.
Eagle Pass has a hot semi-arid climate (Köppen: BSh). The average hottest month is August, and the highest recorded temperature was 115 °F (46.1 °C) in 1916 and 1944. Typically, the coolest month is January, while the lowest recorded temperature was 10 °F (−12.2 °C) in 1962. Most precipitation occurs in the spring through fall with a drier winter. The highest monthly average precipitation occurs in September, with a secondary peak in May and June. Late July and August demonstrate a significant, secondary dry season, with very high temperatures and high sun exposure, resulting in high evaporation rates.
Eagle Pass is located at 28°42′38″N 100°29′22″W / 28.71056°N 100.48944°W (28.710622, −100.489331).
According to the United States Census Bureau, the city has a total area of 7.4 mi (19.2 km), of which 0.04 mi (0.1 km) (0.40%) is covered by water.
The area is served by U.S. Routes 57 and 277, and Farm-to-Market Road 481. Maverick County Memorial International Airport is a general-aviation field. The nearest commercial air service is 50 miles away, via the Del Rio International Airport in Del Rio, which is served by American Airlines.
As of the 2020 United States census, there were 28,130 people, 8,850 households, and 7,053 families residing in the city.
As of the census of 2006, 24,847 people, 6,925 households, and 5,588 families resided in the city. The population density was 3,030.3 people/sq mi (1,169.4/km). The 7,613 housing units averaged 1,029.3/sq mi (397.2/km). The racial makeup of the city was 42.73% White, 0.27% African American, 0.39% Native American, 0.76% Asian, 22.71% from other races, and 3.13% from two or more races. Hispanics or Latinos of any race were 96.90% of the population.
Of the 6,925 households, 43.5% had children under the age of 18 living with them, 59.0% were married couples living together, 18.3% had a female householder with no husband present, and 19.3% were not families. About 17.7% of all households were made up of individuals, and 9.5% had someone living alone who was 65 or older. The average household size was 3.22, and the average family size was 3.69.
In the city, the population was distributed as 32.7% under 18, 8.6% from 18 to 24, 25.6% from 25 to 44, 19.9% from 45 to 64, and 13.1% who were 65 or older. The median age was 32 years. For every 100 females, there were 88.5 males. For every 100 females age 18 and over, there were 81.8 males.
The median income for a household in the city was $23,623, and for a family was $27,140. Males had a median income of $26,350 versus $17,346 for females. The per capita income for the city was $11,414. About 26.0% of families and 29.0% of the population were below the poverty line, including 34.0% of those under age 18 and 39.1% of those age 65 or over.
The United States Postal Service operates a post office in located at 410 S Bibb Ave.
The United States Border Patrol has two stations in Eagle Pass. The Eagle Pass North Station is at 2285 Del Rio Blvd and the Eagle Pass South Station at 4156 El Indio Hwy.
Eagle Pass is the headquarters of the Kickapoo Traditional Tribe of Texas, a federally recognized tribe of Kickapoo people.
In 2000, as part of the power exchange between Texas and Mexico, a high-voltage direct current facility equipped with insulated-gate bipolar transistors was built. This facility, built for Central Power and Light (now AEP Texas) by the ABB Group, operates at a bipolar voltage of 15.9 kV, and has a maximum transfer rate of 36 megawatts. The power station enables AEP to purchase electricity from Mexico’s Comisión Federal de Electricidad, when needed.
On April 24, 2007, at 7:00 pm CST, a tornado tore through outside of Eagle Pass and caused loss of life and property damage. The community was paralyzed for more than a week. This tornado tore through the southern part of the town, and major damage was done. At the Rosita Valley Elementary school, one child was waiting with his teacher to be picked up and as the dangerous storm approached, the child was picked up and his teacher left the campus too. Minutes later, the school was flattened with nothing to spare. Now the school was rebuilt and children and staff will now live their normal life.
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.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
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.
