Owner Operators - Stay Away From This Insurance Company
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- Опубликовано: 31 окт 2022
- I am sharing my personal and business experience with this insurance company. Hope it will help owner operators and business owners to make an informed decision when choosing your business insurance provider.
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Wow, They were gonna charge me 2500 a month! Also when my grandpa had his company they wouldn't pay out fully when I had a accident.
Progressive started me off at $24,000 my first year and $14,000 for my second year. Im in Florida.
Jesus Christ, $2,000 a month. Your working for the insurance company!
I'm a new subscriber/trucker, Big Thank you for your service for sure. Just a thought, have you checked, quoted with USAA commercial and personal insurance, maybe that's a option? As a service member, you'd probably have no problems with them.
Your right 100% that's what happened on me to
Started my company in Texas about 18 months ago. Unfortunately Progressive is the only Insurance company that would take me. After speaking with multiple brokers this seems to be the norm for new MCs around my area. Broker says after my 2nd year of operation I’ll have more options as long as I stay safe.👍 Quite unfortunate about the trespassing though. Maybe they used a drone. Not much better but at least they wouldn’t have actually walked around the property while you weren’t there….
Berkshire Hathaway is my Ins company
They seem to be ok
I had geico commercial and they started very good but damn it went way up in 3 yrs so I went with Berkshire
So far so good 👍
I’ve used ooida sense day one and have never had a problem. I’ve heard people say they suck, but they’ve been there for me whenever I’ve needed them even when I was involved with a very bad accident.
According to another well-known known RUclips trucker, Progressive is the only company that will take a new authority driver, and, for the first two years it was $18,000 per year. After that it cut in half to about $9000 in his 3rd year, and other companies were cheaper than Progressive. Thanks. 😅
Can you recommend other good insurance companies ?
I had progressive my first year . It was 24000 for truck and trailer. Now I have Great west . $14000.
2018 Pete with a 2020 utility dry van
I got an insurance broker. there’s discounts they can get you. You won’t know the right questions to ask. I paid too much my first year. I think i should have gone with a broker my first year.
@@alextinpin3577 do your research boss. Just like you would do with your car.
That is incorrect sir. They is just 1 of them. I started with a different one.
Thanks Ryan for the heads up. Did you manage to get another company?
Great West is the top shelf for truck insurance. It is pretty expensive your first year, but just the tow coverage they have makes it worthwhile.
Did you ever have to use their tow coverage? Most tow coverage has so many limitations it becomes useless.
@@georgiapatriot4575 Hell yes! I had to use it twice in a 3-day period. One was a short 5-mile tow to the Petro near Lebec. A couple of days later I blew my clutch link in Barstow and had to get towed 145 miles to Vegas. I paid $250 for each. The second tow to Vegas would have probably cost me $3000 on the LOW end.
Enjoy all your videos and I’ll keep watching. I had progressive for 3 years and they raised my rates every renewal. I think they all do that. Don’t be discouraged.
Raising rates is nothing new. That is SOP (standard operating procedure) for nearly all insurers and trash companies and some electricity providers. The results are proven to be profitable. For example if they raise rates by 10% but lose 5% of their customers, they win. They depend on customers not bothering to shop around. The lowest rates are only for brand new customers - so moral of the story is to intentionally shop around so you always get new customer rates.
They quoted my 15grand a year, and my DOT# is 12 years old. No accidents since I've been driving 2001.
Hate to tell you, but I think insurance companies can come on your property to evaluate your home without prior notification. However they can't come into your house without prior approval epeciallyif you have a rental. To me an insurance company that will evaluate it is better than than one that doesn't. Lawsuits aren't fun. Rather have my insurance tell me what I need to correct than have one that does look at the house and I find out I'm not covered when little Tyrone gets hurt on my rental property.
Started with progressive last year(1100 a month). No tickets, two passed DOT inspections and now 1650 a month after renewal. Shop around drivers....
I’ve been with progressive and only progressive since day one trucking coming up on 30 years and never had an issue or a claim which probably helps. Your mileage may vary. I bet there’s horror stories about every insurance company
Do you suggest it for a young buck like me im 24 and trying to decide on an insurance for my truck ? been driving since 19 and finally bought my own rig👍🏼
@@armandocruz6541 definitely shop around. I’ve had no issues with progressive but that doesn’t mean others haven’t. You are right at that cut off of age and experience when I turned 25 my rates dropped quite a bit. Seems like most new authorities end up getting funneled into progressive they are a monster company and seem to dominate the industry. Call as many insurance brokers as you can you will be surprised at the difference in prices. Best of luck to you.
Stop lying 🤥
@@popthetruck5703 about what?
wow... so noted!!
Thanks for sharing
I’ve got a buddy that does auto body work, and he says Progressive is the cheapest insurance when it comes to fixing stuff. They’re ok with junkyard parts and zip ties.
Sucks that you have to go through that BS.
Went through OOIDA, 3 years ago brst decision we've made for r trucking company.
I use progressive so far so good.
Did you try Gallagher insurance. They may give you a good deal. Tell them that you were an bco with Landstar.
High insurance for owner operators, crazy regulations and high diesel prices is all part of a bigger plan, the bottom line is they do not want people having their own business. I was looking at buying my own truck but when I looked into it I realized it was not worth it.
I see on the boards some brokers say, no Progressive Insurance, lol specially if you tow away new trailers
Some drivers use that OOIDA insurance but if you look at their rating it’s bad. So bad that some brokers won’t use drivers with it. In my opinion capital causality is probably the best
Hey Rayan,
My boss selling a box truck, freightliner. It pretty neat. The only issue it has that it was flooded just a bit so when you start it ,most of the lights comes on(on dash). Truck located in Philadelphia. Thanks
Yeah, so that should be a branded title vehicle because of flood damage. Selling it without disclosing is pretty much felony fraud.
He's selling it for less than 20k
If I was a mechanic with some space where I can park a 20ft box truck, I would have bought it a month ago.
I would still proceed with the hand rails at your home. Stairs can be dangerous without them.
I'm looking for other oo having problems too.
I wanted to get a quote to determine if i would spend $5,000 to do work on it. I only haul during construction season, 6 months. And within 500 radius. And only haul a load 1 way with cargo, empty on return.
August 2022 I got a quote from Progressive for $8,000 .
Last week April 2024, I got another quote from Progressive and they denied me. Wth happened in just 18 months?
Next same agent got another quote & from National Indemnity Company, for get this, $21,000 a year & that didn't even include truck & trailer damage. It was basic coverage at $1 million.
How can this be?
All this is beyond outrageous & congress needs to demand an investigation.
Most insurance companies use Google Earth to look for trampolines
I swear I’m listening to myself at the end of 2018.
When I bought my first house
The insurance company did the same exact thing.
Told me I needed to add hand rails, fix cracked concrete (not structural, just decorative) and add a bunch of useless shit like gutter extenders and whatnot: told me I had 30 days.
I was 23 years old, just dumped every dime I had into the purchase. Ended up with Swyfft for home insurance.
I feel your pain!
Have you tried O.O.I.D.A.? Pay the $45.00 a year. Call and ask for the Insurance Dept. My coverage was thru Loydds of London. But then I had an excellent record. Call and see what it is.
Ryan I have State Farm have been with them my whole life last year they did the same thing to me
I just heard State Farm is dropping all commercial trucking coverage very soon.
I have had state Farm for personal for 30 years. I'm shopping today to replace them. Homeowners policy has gotten absurd.
That’s the games all these insurance companies play .
Pretty standard actually. Sketchy insurance will write a policy without any checks, decent will do a drive by or drone, best companies actually come into the house and inspect it. A few rails is pretty minor but they are correct you/them can be sued in liability if somebody falls down those stairs. Many companies are now refusing to write policy if roof is less than 15 years old!
OOIDA I heard is good
Hey I need tire repair now down here rockside road ,independence Ohio
I had Progressive Commercial and I started out paying 1900 a month for 2 trucks fresh out of the gate. My 2nd yr. They raised my insurance up to 3600 so I dropped them now I pay 2200 with a different company
They plan to give the lowest rates only to new customers. The more you stay, the higher the rates. It is a very common practice with insurance. You have to plan, and to be willing, to shop around to get the best rates.
What company i need new one
Progressive definitely screwed me this year. I had one written warning not a ticket and it raised my rate from 15gs to 22gs.
yeah, warnings suck because you can't fight them in court--always lobby with the mobile tax collector for a ticket that you then fight in court
Im at 25 gs. Its ridiculous. Nothing on record.
Yep, that's how they are, when I just started my quote was 15K, then at the time to renew it came out to 32k, because a speeding ticket, and an OOS violation, I went with a different agent, and now I'm paying 17K, stay away from progressive, I even canceled my auto, and bike insurance policy with them.
Who did you end up going with might I ask?
Honestly don't remember the name of it, but I can give you the name and number of my Agent if you needed, they are in texas
Of course whatever insurance Mexican to be like 🤣
In addition, the insurance company doesn't have to do a home inspection as it is your responsibility as the owner to make sure the property is up to code. And you learn that the hard way when someone falls off those stairs or trampoline, you get sued, they deny the claim, and you are held personally liable for thousands of dollars
Wow ! Sorry they did you like that that’s wrong
One and hlaf year i uave been paying $2300 for one truck every month
Hella ironically, I got ads for Progressive during this video 😅😂
🤣
They're going to raise your rate no matter what. My first year I had to go with Progressive but we raised our rate my upgrading to the higher level services. But at the end of the first year they increased the rate by maybe $800 a month for the same exact policy saying that the reasons were that all the drivers don't have their driver's license in the same state as the business is located. That's complete bullshit and I got lucky and found another company with a just year old authority to ensure the trucking company at a lower rate than their original rate....
Back in 2010 I had Progressive and nver had an issue. It is a shame what they did to you, I guess they don't value customers.
Progressive commercial has a MONOPOLY for new authorities!!! If you don’t have 2 years with a CDL, you’ll pay for it. I would try getting another quote with an insurance agent. Progressive is HIGH, they can drop you for a variety of reasons. Location, driving records, equipment, too you and yea even too old!!! Shop around. After 3 years it drops by $10K per truck and trailer. So like $12k to $15k per truck and trailer. I would suggest you don’t bundle all you businesses together.
Mega-Carriers lobbying for control of the industry.
A little massaging here....a little pay-off there.
whats your new house address?
This is insane.
Good to now how progressive is, I'll never go with that company
Yea, They are evil.
They remind me of TQL.
Good story, I would’ve gone with progressive because they’re the most widely known in trucking. Now I will not be using them.
Progressive charged me $16,000 for my first year.
They are the worst insurance company out there bottom line as just a driver I had a not at fault accident they told my boss the owner of the trucking company that he had to fire me or pay 15 thousand dollars a month to keep me I was an oversize heavy long haul driver for him for five years and making 70,000 a year .I was 60 years old at the time and had a clean driving record for 45 years .do to other things going on in my life I decided to retire .
Yea there crap!
Not sure about the box truck but the come out to your home sounds like a scam. I had a guy call me with all kinds of information about me and he almost had me until he said something about my wife to which I responded back that I'm not married and he said the name of this woman that was associated with me if you GOOGLE my name but I don't know her, long story short everything about you is online and I mean everything from relatives to associates just be careful bud, they are getting smarter on how to steal your whole life. IJS
I'm getting tired of trucking and all of it's bs didn't you say that you'd be willing to hire a hard worker with basic mechanical knowledge that's willing to learn?
In the first 2 years you pretty much have NO choice but to use progressive.
You are wrong. You are required to have railings on most decks/stairs if there are higher than one step not only with almost all insurance but probably with your town registrations, too. It is called a home inspection and insurance doesn't trespass as they have an interest in the property. Also, most insurance companies do not insure trampolines. Please do your homework first before you post wrong information...
Thanks Karen
Sad,these millenials and generation zers are ruining every industry that exhists. Sad. I have never heard of what your talking about with decades experience. Somebody is doing something behind your back very strange.