Originally Posted by rigidsporty

Thats why your my hero Steve... those snappy come-backs. :wink: While your throwing your wit around, you care to help out our young friend here with his insurance problem? You seem to know how to avoid those pesky "no experience" issues.

Would if I could but I can't so I won't.

[ssoutlaw]

Originally Posted by rigidsporty

See what SB started. His "if I can do it anyone can" mindset is bad news all around. Now kids think they dont need to learn to drive before buying. :roll:

Let it be, you'll get your chance someday :P :P

[rigidsporty]

Originally Posted by ssoutlaw

Let it be, you'll get your chance someday :P :P

My "chance?" What... signing a check to get my dreams? My lifes ambition. :roll:

[brian]

what is it with you and money rigidsporty, your all about the money, are you bitter because you used to build bikes with welfare checks (yes I remember the post) and steve could buy his own business cash, it ain`t his fault you used to be broke. hell your not even an O/O just come in here to be a shit disturber.

[RostyC]

Ok, I have some spare time for a little while so the other day I called an insurance agent that I got through Canal and asked for a quote. She called me back today with the numbers.

1million liability
100,000 uninsured mot.
25,000 comp and collision
15000 on trailer
1000 ded.
25000.00 truck
20000.00 trailer
$11,333.00 through Progressive with 300 mile radius.
This is for no experience, well I drove briefly in 99 (?) but it doesn't count.
I posted this because I got a quote from Progressive a few months ago by calling Progressives number and was quoted 4500.00 and 300 mile radius.

I asked the agent why the difference in price and she basically said that Progresive is not familiar with commercial truck insurance, therefore often misquote it. This is there own agents we're talking about, so be careful.

This agent pretty much told me what she thought Progressive quoted me when we spoke on Friday and said it was wrong, I don't think she was BS'ing.

Also I called the assigned risk program here in Maryland (MIAF) and they will insure a class 8 truck but nowhere near the coverage you need for commercial operation. That's Maryland, other states may be different.

Now cargo was based on 200,000 and was $2250.35 through Lloyds of London. 100,000 would have been about 1200.00.

[ssoutlaw]

Originally Posted by brian

what is it with you and money rigidsporty, your all about the money, are you bitter because you used to build bikes with welfare checks (yes I remember the post) and steve could buy his own business cash, it ain`t his fault you used to be broke. hell your not even an O/O just come in here to be a $&!+ disturber.

What ever you do Brian, don't say anything about his Half Harley. He is rather sensitive about it....lol :P :P :P :P

Insurance can be totally different depending on the state or even city you live in. I moved from a higher crime area in NH 10 miles away to a very upscale town. My car insurance went down and my motorcycle insurance went up $600!!!! That's was over a 60% increase!!! When I asked about it they said because there was too many over 50 teenagers with money and now buying a motorcycle with no experience and either getting killed or in an accident.

Insurance can vary widely depending on your age, education, location and past driving record.

When I switched insurance for my truck I also gave them my car, motorcycle, home, boat and snowmobile. I'm sure that weighed heavily in there decision.

When I was looking for insurance I talked to some agents that would insure someone without experience but not from my state. I almost considered moving. Didn't make much sense since the second I would get the insurance I would be all over the place.

I think Progressive and other companies should insure new people but with strong restrictions like:

20 miles from any city over a population of 1,000,000
No mountains over 6,000 feet high
No snow or ice driving, must shut down.

Restrictions along those lines.

[no_worries]

Steve, I might have missed it in your thread that got locked. What did you end up having to pay for insurance?

Many of the factors that come into play in personal auto insurance don't carry weight with commercial. They primarily want to know the following; how long you've had your CDL, where you're going to operate, your driving record, and your authority history. There are of course other things they ask but those are the biggies.

GMAN, I asked about whether being a new authority affected rates and was told it does. The reason is that there's no history they can check on as far as safety and compliance and, of course, no prior commercial coverage. Rates are higher the first two years then they drop to the norm.

[RostyC]

no_worries, what company insured your buddy for 16-18,000?

My cargo is $1,200 for 100,000 coverage and Progressive was $4,200 for 1,000,000 liability.