You have read three pages about trucking insurance. You know more now than most new carriers walking into this — the costs, the coverage types, the carriers that will write you, the federal requirements, the down payment.
Here is what all of that knowledge should tell you: you should not be doing this yourself.
Every hour spent researching insurance is an hour not spent building your business
You have a truck to set up. A BOC-3 to file. A drug testing consortium to join. UCR, IFTA, IRP. An ELD to install. A safety audit to prepare for. Loads to line up.
Insurance is one piece of starting a trucking company. An important piece — but one piece. And it is the one piece where trying to save money by doing it yourself almost always costs more.
Not because you are not smart enough. Because the market is structured against you.
Only 3-5 carriers write new authority policies. Most do not have public quote tools. The ones that do give you a number without context — no comparison, no explanation of what is covered versus what is not, no guidance on which carrier your target brokers actually accept.
You can spend two weeks learning what we already know. Or you can spend five minutes on the phone and know exactly where you stand.
Here is everything you stop worrying about the moment you call us
Coverage limits. We set them where brokers need them — $1M auto liability, not the $750K federal minimum that locks you out of loads.
Commodity classification. We describe your operation in the language that gets the best rate, not the language that triggers a surcharge. One wrong word on an application — “hotshot” instead of “general freight flatbed” — can double your quote.
Which carriers are writing. The list changes monthly. We know who is accepting new authorities right now, this week, not who was accepting them when someone wrote a blog post six months ago.
The BMC-91 filing. We file it within minutes of binding. We time your effective date so the federal system processes your filing before your target activation date. You do not have to think about overnight batch cycles or processing windows.
Down payment timing. We tell you exactly what to have ready and when. No surprises on binding day.
Policy exclusions. We walk through every exclusion that applies to your operation before you sign. Not after a claim gets denied.
Physical damage decisions. We match your coverage to your truck’s value and your financial situation. Not a one-size-fits-all recommendation from a web page.
Operating radius. We describe it accurately — enough coverage for your actual lanes without overpaying for coast-to-coast rates on a regional operation.
Timing. We start your insurance process the day you file your MC application, not three weeks later when your authority is about to go active and you are scrambling.
Renewals. We shop your renewal every year, 60-90 days before expiration. After 12 clean months, more carriers want your business. We make them compete for it.
That is ten things off your plate. Permanently.
Your first year is tuition — we make it cost as little as possible
$12,000-$25,000. That is the range for a new authority, single truck, general freight. Your first-year premium is the highest you will ever pay for the same coverage.
After 12 clean months: 20-30% reduction. After 24 months: the standard market opens and carriers that would not touch you as a new authority compete for your business. After 36 months: full loss runs, multiple competitive options, 40-60% below your first-year rate.
We handle year one. We handle the renewal where the real savings start. We handle year three when the market finally works in your favor.
This is not complicated — it just requires someone who does it every day
You call. We talk — five minutes, maybe ten. We ask about your truck, your CDL history, your operating plan. We take your application and shop it across every carrier that writes new authorities. Within days, you have real quotes side by side. We walk you through them. You pick. We bind it.
Your Certificate of Insurance is in your inbox within five minutes. Your BMC-91 is filed before you hang up the phone. Your authority activates on schedule.
One call. Everything handled. You go build the rest of your business.
Get a Quote | Call Us: (208) 800-0640
The Most Expensive Insurance Mistake: Trying to Figure It Out Yourself FAQ
Why shouldn't I just get insurance quotes myself online?
You can try. But only 3-5 carriers write new authority policies, and most do not have consumer-facing quote tools. You will spend days finding them, weeks getting declined by carriers that do not write new authorities, and end up with whoever finally says yes -- not necessarily the best rate. A specialist shops all of them simultaneously and puts real quotes side by side within days.
How much does a trucking insurance agent cost?
Nothing extra. The agent commission is built into the premium by the insurance carrier. You pay the same rate whether you use an agent or go direct. The difference is that a specialist knows which carriers are writing, how to present your application, and how to time your BMC-91 filing. Skipping an agent does not save money. It just means nobody is working for you.
What is the biggest insurance mistake new trucking companies make?
Trying to figure it all out themselves. New carriers spend weeks researching coverage types, comparing rates they cannot actually get, and second-guessing every decision -- when a five-minute phone call with a specialist would answer every question and get them hauling freight faster.
How long does it take to get trucking insurance with a specialist agent?
Days, not weeks. We take your application, shop it across every carrier that writes new authorities simultaneously, and present real quotes side by side. You pick. We bind. Your COI is in your inbox within five minutes and your BMC-91 is filed before you hang up the phone.
Get your new authority insurance quote in minutes.
Same-day quotes. We explain everything. Licensed in 42 states.
Call or text: (208) 800-0640