Owner Operators Truck Insurance Near Me Fayetteville, North Carolina
JDW Truckers Insurance can answer your questions regarding Owner Operators Truck Insurance Near Me Fayetteville, North Carolina. 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 Fayetteville, North Carolina with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Fayetteville, North Carolina 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.
Fayetteville is a city in and the county seat of Cumberland County, North Carolina, United States. It is best known as the home of Fort Liberty, a major U.S. Army installation northwest of the city.
Fayetteville has received the All-America City Award from the National Civic League three times. As of the 2020 census, it had a population of 208,501, It is the 6th-most populous city in North Carolina. Fayetteville is in the Sandhills in the western part of the Coastal Plain region, on the Cape Fear River.
With a population in 2020 of 529,252 people, the Fayetteville metropolitan area is the largest in southeastern North Carolina and the fifth-largest in the state. Suburban areas of metro Fayetteville include Fort Liberty, Hope Mills, Spring Lake, Raeford, Pope Field, Rockfish, Stedman, and Eastover.
The area of present-day Fayetteville was historically inhabited by various Siouan Native American peoples, such as the Eno, Shakori, Waccamaw, Keyauwee, and Cape Fear people. They followed successive cultures of other indigenous peoples in the area for more than 12,000 years.
After the violent upheavals of the Yamasee War and Tuscarora Wars during the second decade of the 18th century, the colonial government of North Carolina encouraged colonial settlement along the upper Cape Fear River, the only navigable waterway entirely within the colony. Two inland settlements, Cross Creek and Campbellton, were established by Scots from Campbeltown, Argyll and Bute, Scotland.
Merchants in Wilmington wanted a town on the Cape Fear River to secure trade with the frontier country. They were afraid people would use the Pee Dee River and transport their goods to Charleston, South Carolina. The merchants bought land from Newberry in Cross Creek. Campbellton became a place where poor whites and free blacks lived and gained a reputation for lawlessness.
In 1783, Cross Creek and Campbellton united, and the new town was incorporated as Fayetteville in honor of Gilbert du Motier, Marquis de Lafayette, a French military hero who significantly aided the American forces during the war. Fayetteville was the first city to be named in his honor in the United States. Lafayette visited the city on March 4 and 5, 1825, during his grand tour of the United States.
The local region was heavily settled by Scots in the mid/late 1700s, and most of these were Gaelic-speaking Highlanders. The vast majority of Highland Scots, recent immigrants, remained loyal to the British government and rallied to the call to arms from the Royal Governor. Despite this, they were eventually defeated by a larger Revolutionary force at the Battle of Moore’s Creek Bridge. The area also included several active Revolutionaries.
In late June 1775, residents drew up the “Liberty Point Resolves,” which preceded the Declaration of Independence by a little more than a year. It said,
Robert Rowan, who apparently organized the group, signed first.
Robert Rowan (circa 1738–1798) was one of the area’s leading public figures of the 18th century. A merchant and entrepreneur, he settled in Cross Creek in the 1760s. He served as an officer in the French and Indian War, as sheriff, justice and legislator, and as a leader of the Patriot cause in the Revolutionary War. Rowan Street and Rowan Park in Fayetteville and a local chapter of the Daughters of the American Revolution are named for him, though Rowan County (founded in 1753) was named for his uncle, Matthew Rowan.
Flora MacDonald (1722–1790), a Scots Highland woman known for aiding Bonnie Prince Charlie after his Highlander army’s defeat at Culloden in 1746, lived in North Carolina for about five years. She was a staunch Loyalist and aided her husband in raising the local Scots to fight for the King against the Revolution.
Seventy-First Township in western Cumberland County (now a part of Fayetteville) is named for a British regiment during the American Revolution – the 71st Regiment of Foot or “Fraser’s Highlanders”, as they were first called.
Fayetteville had what is sometimes called its “golden decade” during the 1780s. It was the site in 1789 for the state convention that ratified the U.S. Constitution, and for the General Assembly session that chartered the University of North Carolina at Chapel Hill. Fayetteville lost out to the future city of Raleigh in the bid to become the permanent state capital.
In 1793, the Fayetteville Independent Light Infantry formed and is still active as a ceremonial unit. It is the second-oldest militia unit in the country.
Henry Evans (circa 1760–1810), a free black preacher, is locally known as the “Father of Methodism” in the area. Evans was a shoemaker by trade and a licensed Methodist preacher. He met opposition from whites when he began preaching to enslaved people in Fayetteville, but he later attracted whites to his services. He is credited with building the first church in town, the African Meeting House, in 1796. Evans Metropolitan AME Zion Church is named in his honor.
Fayetteville had 3,500 residents in 1820, but Cumberland County’s population still ranked as the second most urban in the state, behind New Hanover County (Wilmington). Its “Great Fire” of 1831 was believed to be one of the worst in the nation’s history, despite no deaths associated with the incident. Hundreds of homes, businesses, and most of the best-known public buildings were lost, including the old “State House”. Fayetteville leaders moved quickly to help the victims and rebuild the town.
There was no point in rebuilding the State House since the state government was firmly installed in Raleigh. On its site, the city built a Market House, recreating the city around it just as it had previously surrounded the State House. The new building had a covered area under which business could be conducted since every store in Fayetteville had been destroyed in the fire. Completed in 1832, it became the town’s and county’s administrative building. It was a town market until 1906 and served as Fayetteville Town Hall until 1907. Currently (2020), it is a local history museum.
In March 1865, Gen. William T. Sherman and his 60,000-man army attacked Fayetteville and destroyed the Confederate arsenal (designed by the Scottish architect William Bell). Sherman’s troops also destroyed foundries and cotton factories, and the offices of The Fayetteville Observer. Not far from Fayetteville, Confederate and Union troops engaged in the last cavalry battle of the Civil War, the Battle of Monroe’s Crossroads.
Downtown Fayetteville was the site of a skirmish, as Confederate Lt. Gen. Wade Hampton and his men surprised a cavalry patrol, killing 11 Union soldiers and capturing a dozen on March 11, 1865.
During the late nineteenth century, North Carolina adopted Jim Crow laws that imposed racial segregation.
Cumberland County’s population increased in the post-World War II years, with its 43% increase in the 1960s the largest in any of North Carolina’s 100 counties. Construction was fast-paced as shopping developments, and suburban subdivisions began to spread outside the Fayetteville city limits toward Fort Liberty and Pope Air Force Base. The Fayetteville and Cumberland County school systems moved toward integration gradually, beginning in the early 1960s; busing brought about wider-scale student integration in the 1970s.
Segregation of public facilities continued. Marches and sit-ins during the Civil Rights Movement, with students from Fayetteville State Teachers College (Fayetteville State University) at the forefront, led to the end of whites-only service at restaurants and segregated seating in theaters. Blacks and women gained office in significant numbers from the late 1960s to the early 1980s.
The Vietnam Era was a time of change in the Fayetteville area. From 1966 to 1970, more than 200,000 soldiers trained at Fort Bragg (now Fort Liberty) before leaving for Vietnam. This buildup stimulated area businesses. Anti-war protests in Fayetteville drew national attention because of Fort Bragg, a city that generally supported the war. Anti-war groups invited the actress and activist Jane Fonda to Fayetteville to participate in three anti-war events. The era also saw an increase in crime and drug addiction, especially along Hay Street, with media giving the city the nickname “Fayettenam”. At this time, Fayetteville also made headlines after Army doctor Jeffrey R. MacDonald murdered his pregnant wife and two daughters in their Ft. Bragg home in 1970; the book and movie Fatal Vision were based on these events.
To combat the dispersal of suburbanization, Fayetteville has worked to redevelop its downtown through various revitalization projects; it has attracted large commercial and defense companies such as Purolator, General Dynamics and Wal-Mart Stores and Distribution Center. Development of the Airborne & Special Operations Museum, Fayetteville Area Transportation Museum, Fayetteville Linear Park, and Fayetteville Festival Park, which opened in late 2006, have added regional attractions to the center.
In the first decade of the 21st century, the towns and rural areas surrounding Fayetteville had rapid growth. Suburbs such as Hope Mills, Raeford, and Spring Lake had population increases.
In 2005, Congress passed the Base Realignment and Closure (BRAC) Act, resulting in several new commands relocating to Fort Bragg. These include the U.S. Army Forces Command (FORSCOM) and U.S. Army Reserve Command, both of which relocated from Fort McPherson in Atlanta. More than 30,000 people were expected to relocate to the area with associated businesses and families. FORSCOM awards over $300 billion in contracts annually.
In the November/December 2009 issue of Where to Retire, the magazine named Fayetteville as one of the best places to retire in the United States for military retirements.
In April 2019, a report by GoBankingRates (which analyzed data from 175 American cities) listed Fayetteville as one of the top ten American cities at risk of a severe housing crash. 26.8% of home mortgages in Fayetteville were listed as being “under water”, while the median home value was listed as $108,000.
In December 2015, Fayetteville unveiled the Guinness World Record for the biggest Christmas stocking, weighing approximately 1,600 pounds (730 kg), and measuring 74.5 x 139 feet.
Fort Liberty and Pope Army Airfield Field are in the northern part of the city of Fayetteville.
Several U.S. Army airborne units are stationed at Fort Liberty, most prominently the XVIII Airborne Corps HQ, the 82nd Airborne Division, the United States Army Special Operations Command, the 1st Special Forces Command (Airborne), and the United States Army John F. Kennedy Special Warfare Center and School.
Fort Bragg (now Fort Liberty) was the home of the Field Artillery at the onset of World War II. All the Army’s artillery units east of the Mississippi River were based at the post, about 5,000 men. Soldiers tested the Army’s new bantam car, soon known as the Jeep, although most of the power to move artillery still came from horses and burros. On September 12, 1940, the Army contracted to expand the post, bringing the 9th Infantry Division to Fort Bragg.
The mission of Pope Field is to provide airlift to American armed forces and humanitarian missions flown worldwide. Pope Field mainly includes air transportation for the 82nd Airborne, among other airborne units on Fort Liberty.
All of Pope’s fighter jet squadrons have been relocated to Moody AFB, Georgia. The central entity at Pope is now the Air Force Reserve, although they still have a small amount of active personnel.
In September 2008, Fayetteville annexed 85% of Ft. Bragg, bringing the city’s population to 206,000. Ft. Bragg retains its police, fire, and EMS services. Fayetteville hopes to attract large retail businesses to the area using the new population figures.
On September 5, 2008, Cumberland County announced it was the “World’s First Sanctuary for Soldiers and Their Families”; it marked major roads with blue and white “Sanctuary” signage. Within the county, soldiers were to be provided with local services, ranging from free childcare to job placement for soldiers’ spouses.
Five hundred volunteers have signed up to watch over military families. They were recruited to offer one-to-one services; member businesses will also offer discounts and preferential treatment. Time magazine recognized Fayetteville for its support of military families and identified it as “America’s Most Pro-Military Town”.
The city limits extend west to the Hoke boundary. It is bordered on the north by the town of Spring Lake.
According to the United States Census Bureau, Fayetteville has a total area of 147.7 square miles (382.6 km), of which 145.8 square miles (377.7 km) is land and 1.9 square miles (4.8 km) is water. The total area is 1.926% water.
Fayetteville is in the Sandhills of North Carolina, which are between the coastal plain to the southeast and the Piedmont to the northwest. The city is built on the Cape Fear River, a 202-mile-long (325 km) river that originates in Haywood and empties into the Atlantic Ocean. Carver’s Falls, measuring 150 feet (46 m) wide and two stories tall is on Carver Creek, a tributary of the Cape Fear, just northeast of the city limits. Cross Creek rises on the west side of Fayetteville and flows through to the east side of Fayetteville into the Cape Fear River.
Fayetteville is located in the humid subtropical climate (Köppen climate classification Cfa) zone, with mostly moderate temperatures year round. Winters are mild but can get cool, with snow occurring a few days per year. Summers are hot, with levels of humidity that can cause spontaneous thunderstorms and rain showers. Temperature records range from −5 °F (−21 °C) on February 13, 1899, to 110 °F (43 °C) on August 21, 1983, which was the highest temperature ever recorded in the State of North Carolina. On April 16, 2011, Fayetteville was struck by an EF3 tornado during North Carolina’s largest tornado outbreak. Surrounding areas such as Sanford, Dunn, and Raleigh were also affected.
As of the 2020 United States census, there were 208,501 people, 82,087 households, and 46,624 families residing in the city.
As of the census of 2010, there were 200,564 people, 78,274 households, and 51,163 families residing in the city. The population density was 1,401 inhabitants per square mile (541/km). There were 87,005 housing units at an average density of 230.3 units/km (596.3 persons/sq mi). The racial composition of the city was 45.7% White, 41.9% Black or African American, 2.6% Asian American, 1.1% Native American, 0.4% Native Hawaiian or Other Pacific Islander, 3.3% some other race, and 4.9% two or more races. 10.1% of the population were Hispanic or Latino of any race.
There were 78,274 households, out of which 36.7% had children under the age of 18 living with them, 41.3% were headed by married couples living together, 19.5% had a female householder with no husband present, and 34.6% were non-families. 28.7% of all households were made up of individuals, and 7.3% were someone living alone who was 65 years of age or older. The average household size was 2.45, and the average family size was 3.02.
In the city the population was spread out, with 25.8% under the age of 18, 14.4% from 18 to 24, 28.5% from 25 to 44, 21.5% from 45 to 64, and 9.7% who were 65 years of age or older. The median age was 29.9 years. For every 100 females, there were 93.6 males. For every 100 females age 18 and over, there were 90.5 males.
In 2013, the estimated median annual income for a household in the city was $44,924, and the median income for a family was $49,608. Male full-time workers had a median income of $37,371 versus $32,208 for females. The per capita income for the city was $23,362. 18.4% of the population and 16.2% of families were below the poverty line. 27.1% of those under the age of 18 and 9.8% of those 65 and older were living below the poverty line.
On September 30, 2005, Fayetteville annexed 27 square miles (70 km) and 46,000 residents. Some affected residents and developers challenged the annexation in the courts, but were ultimately unsuccessful. The exception was the Gates Four neighborhood which won its case against annexation despite the annexation of all surrounding neighborhoods.
Founded in Wade in 1758, Old Bluff Presbyterian Church is one of the oldest churches in the Upper Cape Fear Valley. The fourth Sunday of September each year is the annual Old Bluff Reunion; it is open to the public. Bluff Presbyterian Church maintains a detailed history at its website.
Hundreds of houses of worship have been established in and around Cumberland County, including Catholic, Baptist, Pentecostal, Methodist and Presbyterian churches, which have the largest congregations. Fayetteville is also home to Congregation Beth Israel, formed in 1910 by the Jewish families of Fayetteville.
Fayetteville is home to St. Patrick Church, the oldest Catholic parish in the state, dating back to the 18th century.
The Masjid Omar ibn Sayyid mosque was named after Omar ibn Said, an African Muslim who was jailed as a fugitive slave and sold in Fayetteville in the 19th century. Visitors to the mosque can find historical information about him and the Muslim community. Additionally, a historical marker to ibn Said was cast along Murchison Road in 2010, the first roadside in North Carolina to recognize a Muslim.
Fort Liberty is the backbone of the county’s economy. Fort Liberty and Pope Field pump about $4.5 billion a year into the region’s economy, making Fayetteville one of the best retail markets in the country. Fayetteville serves as the region’s hub for shops, restaurants, services, lodging, health care, and entertainment.
As of March 2019, Fayetteville reflected an unemployment rate of 5.2%, which is higher than the national average of 3.8% and the North Carolina average of 4%.
According to the Fayetteville 2018 Comprehensive Annual Financial Report, the top employers in the city are:
The Fayetteville area has a large and growing defense industry and was ranked in the top five areas in US for 2008, 2010, 2011 by a trade publication. Eight of the ten top American defense contractors are located in the area, including Lockheed Martin, Boeing, Northrop Grumman, General Dynamics, and L-3 Communications.
The city hosts Partnership for Defense Initiatives (PDI), a trade association promoting defense contractors.
Cumberland County Schools’ headquarters are located in Fayetteville, and the schools serve all cities and towns of the county. CCS operates a total of 87 schools: 53 elementary schools, 16 middle schools, 15 high schools and 9 Alternative and Specialty schools, including 1 year-round classical, 1 evening academy, 1 web academy and 2 special schools. Cumberland County Schools is the fourth-largest school system in the state and 78th-largest in the country.
Fayetteville is part of and served by television stations in the Raleigh–Durham television market.
Fayetteville Regional Airport is served by five regional carriers that provide daily and seasonal passenger services to three major airline hubs within the United States. An additional regional carrier and several fixed-base operators offer further services for both passenger and general aviation operations. Landmark Aviation also provides services for passenger and general aviation traffic at the Fayetteville Regional Airport.
The Fayetteville Area System of Transit (FAST) serves the Fayetteville and Spring Lake regions, with ten bus routes and two shuttle routes. FAST operates thirteen fixed bus routes within the city of Fayetteville. Service is between the hours of 5:45 am and 10:30 pm on weekdays, with reduced hours on Saturdays and no Sunday service. Most routes begin and end at the Transfer Center at 147 Old Wilmington Road in Fayetteville. Other transfer points are located at University Estates, Cross Creek Mall, Veterans Administration Medical Center, Bunce and Cliffdale Rds and Cape Fear Valley Medical Center.
The Atlantic Coast Line Railroad Station, built in 1911, provides daily Amtrak service with northbound and southbound routes leading to points along the East Coast.
Fayetteville has one sister city, as designated by Sister Cities International:
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.