OUR Insurance Policy Is $5000 More than Last year !! Will we go out of Business !?! Insurance a SCAM
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- Опубліковано 30 чер 2024
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Just caught a call from Dave ramseys podcast. Caller was a "salesman" making 150-300k per year and complaining he didn't have enough money. Dave asked him what type of sales. His answer: FREIGHT BROKER. So someone's making money in the business. But not drivers
You mean double/triple freight broker? I love listening to the callers on Ramsey’s show. Someone called in the other day making a household income of 500k and she said it’s just so hard to pay off our debt. Such a sad problem, I’m playing a violin for them. I wish made I made half of that, I would have so many paid for toys!!!
Yup I was listening to that too.. I was thinking how does a freight broker make 330k while we out here running for Pennie’s
I listen everyday too.
Brother they are called brokers because it is their job to make drivers broker.
you mis understood what she said. you can get quotes from other companies, She was right that it doesn't matter if you go direct or thru an agency the price is the same
Sh*t like this is the reason I’ll probably never become an owner operator. Between brokers shippers/receivers, the government, insurance, and maintenance it seems like the pie is split too many ways to leave the driver with a good living. More power to you fellas that are still trying to fight this broken system to provide for your families.
Insurance is RIDICULOUS NOWADAYS
Mine went up $7200, no at fault accidents. No tickets in any of my personal vehicle’s. However 3 separate accidents that weren’t my fault & no money paid out but it still went up $7200. Make it make sense!
The overall cost of repairs has gone up resulting in claims costing more. Because of this insurance companies aren’t making as much money so they are raising premiums to make up the difference. It’s the same thing that’s happening in Florida.
@@ryanjohnson8340 I get that but you’d think they’d go up on the premiums of the customers that contributed to the accidents not the customers who’ve maintained a great driving record.
They are pretty much going up across the board because most of the people (especially the 4 wheelers) that will run into you (literally, and other 4 wheelers) are uninsured. So there is no OTHER company to go after and they end up having to pay out on their client, and it's getting damn expensive.
All you can do is shop around for insurance, man! Insurance isn't really a scam, but the profit margins can be ridiculous.
Scam in a round about small print way.🫣
Then that makes it a smam,only way change it vote republican
@@jamesguest4741 he's in South Carolina. Not exactly a liberal paradise.
You are paying for every lawsuit and everyone else’s bad behavior.The insurance corporations aren’t going too pay for their own troubles they will pass it on too the customers.
You don't have to stay with one agency. Shop around and the one that you chose to start on the day you want!! Retired flat bedder
Appreciate it 😎🙏🏽
I was in insurance-and like you-I knew my worth. My job wasn’t over when I sold a policy-it started. As an independent agent, I sold Progressive, as well as numerous other companies. You can shop it at any time- and change at any time. Like you, I had overhead. Insurance companies assume a ton of risk. There were 168,000 truck accidents in 2023-over half involved injury or death. The avg. insurance settlement is over $103,000 each. Insurance is a scam-until you need it.
Truly appreciate the info thank you
heck yeah btother thanks so much for the Vassmotorsports shout out and thanks for introducing me to the neighbors and (Stan the man) hope and pray i can get that spot for our camper. id absolutely love to have it setup there , one of my dreams to be so close to the lake and people we love. man i had no idea the insurance companies treat you drivers like that. Good luck and hope you get it all figured out but afraid its just the way everything is out of control price wise
Don’t feel too bad. I moved from Chicago to Dallas and when I renewed my commercial policy, it nearly tripled. Went from paying $3000 a year to 10,000 a year. When I asked why, each agent I spoke with literally told me it’s because people in Texas drive like idiots and claims are typically 75% higher in Texas than in Chicago
Wow 😮
What company you go through in Chicago to pay 3000 a year because i'am in Chicago and i pay 13k a year and that was from jump no accident nothing
if i understood the insurance lady right you can check prices all you want just not with your current carrier.
She's crazy wanting you to drop your policy and drive with out , then start up a new one.
Justin, Every year my Insurance goes up Despite having a PERFECT Driving Record. Every time I ask WHY?!?!?....I get the same song and dance...."Due to the increase in taxes this year, We are unfortunately forced to raise Our rates in order to help meet, maintain and provide Our customers with the coverage they need". SMH....🥴🥴🥴. Glad ya got a lil help getting that load 👏. You take care and safe travels. God bless 🙏✨ you. PS Live chat 👍🤘.
Vote republican always. Less taxes,less government
@@jamesguest4741government spending went up under Trump. Libertarian is what you want
They must have included Swift's accidents into their stats to "justify" rate increases for everyone else.
LOL 😂😂😂.GOOD OLE SWIFTY SWIFT.
For some reason, most people stick with their insurance carrier and they don’t do the work to shop around. Insurance companies know this so they try to push the price as far as they can each year. Shop around, get quotes, do the work and save money.
Man just dont renue call around find a new insurance company your dealing with insurance brokers call them directly try calling central insurance I've herd good things
I hear ya… mine went up $100.00 on my vehicle insurance, and I’m retired…… yikes
They only have that insurance contract until renewal and yes these insurance brokers/agents will uncharged the rate because they get commission
Thanks for sharing...
I’m hoping when the 25th comes around you’ll be able to get a better rate on your insurance!!!! And it’s not going to be frustrating and create you to have to get angry with them for that better rate!!!
The key to insurance is to always switch every year. They give you low initial rates, to get you in and then expect you'll be too lazy to shop around when renewal comes up.
That isn't how it works at all.
@@AmyBethB then why is it every time premiums go up, switching gets cheaper rates, How come rates go up steeply after a year with no accidents, no tickets, no other change? Maybe it varies differently in other states because of local laws but that has been my experience.
Good morning yall wow crazy insurance prices and there all going up
You can go direct with insurance and it is cheaper but the problem is it’s only a couple of companies that do commercial auto insurance and progressive pretty much got it on lock
The insurance companies are out of control! I will state that because of the number of claims because of foreign drivers is driving rates up !!
Let's Not forget ALL the Tesla's that keep getting TOTALED OVER A SCRATCH OR Little DING. They are Not cheap to fix either 😠.
@@gracielarojas3200 Copy that, they write off shit they should not, they suck!!
What happened to your response to my comment??? Weird YT crap happening here 🤔🙄😣. PS it was so true, too.
Your agent can shop around for you. You can also get a new agent if you aren’t happy with them. But you can get quotes weeks prior to your expiration date and have your new policy start the day your old policy expires. You 24:08 can do it in advance and it’s seamless.
I wish I could have caught the live stream today because it was cool seeing TANK being so animated during the video 😂😂😂!!! Maybe he won’t be driving like dada and we’ll be seeing him in the movies!!! Great day of content,have a great delivery tomorrow 🤞and hopefully we get a chance of seeing you!!! Safe travels brother!!!
Tank the superhero 😎🙏🏽
@@JustTruckin I love that boy he’s a carbon copy of my boy at that age and he always puts a smile on my face with the things he does!!!
man I can't believe (yes I can) that your insurance went up that much! sheesh. literally everything is more expensive year by year. Hope it works out for you my friend.
So as far as insurance what if your renewal date falls on a weekend or on a day they are closed and you can’t get a hold of anybody?
Great vlog but it just shows that to a degree insurance companies are robbing so and sos but also great to see cash tagging along for the pickup 😊😊😊
The expedited trucking industry in now in a depression,though no one talks about it much.
The regular trucking industry is in a recession.
Hope things don't go that far south for you.
We can only hope next year will be better.
But as always your program never suffers a downtown,great as always.😊
Mine went up 9k currently shopping. Might sign on with the company I haul for.
I will say, she gave a good dance around the questions. Is there an independent insurance agency that you can use?
Progressive can't work around their brokers. You can get quotes from other brokers or other companies.
i agree on the insurance , our house went up from 2000 to 5200 a year , no claims , nothing for over 24 years and then get that big as bill is horseshit and not a thing you can do about it , not the same as what your situation is really but moneywise it is , got it lower than what i was paying same coverage ,so luckily it worked out better
It really is crazy how we have no control over it
Your current insurance company won't bid against itself, nor will it allow you to play one agent of theirs against another one of theirs.. When I was working and getting commercial insurance for my company, I always worked with a multi-company broker so he wasn't locked into a single insurance company. And even then, I would periodically get quotes from other brokers to be sure that my broker was in-line with the market. Sometimes premiums would stay the same, or even go down for one company, because they wanted more exposure to the particular industry we were in. In other years it might go up unreasonably for the company we had been with, because they were trying to lose business in our state or industry. You can certainly start getting quotes from other companies and or brokers now, to go in effect when your current policy expires. Just not from other agent brokers of your current policy issuer.
Insurance companies raising rates for with little to no explanation just like cable, internet, phone, medical insurance, everything!! How is anyone supposed to make a living when pay is not increasing with higher living/working expenses?? And no, it’s not due to any sitting president before anyone comments that bs.
Check with what u got ur car,truck, boat insured through. I used State Farm been with them for about 10yrs plus the people is really helpful.
Insurance is based on credit rating, if you pay monthly seems higher then paying every 6 months, , just wondering, ?
Justin, your current insurance agent can get you cheaper quotes, they shop around the different companies and get you a better policy.
Hi Justin and Tdubs and family
Very educational
Cash needs more dominos like BIGWELL had in the robots movie!!!!😂😂😂
lol
Insurance and brokers was the two main reason I sold my truck last year, because I realized I was being rob daylight. Brokers can keep 50% of the load pay without leaving their bed 😅😂 Insurance is just a big money maker
Honestly, I'd rather drive that nice minivan around town, than a huge SUV, but I m old, and really don't care what other folks think anymore 😂
I love that Van ♥️🙏🏽
@JustTruckin I have an f150, and a little sports car, but always loved the seating position, and visibility of a van, but I get it with "red wheel" and Tdub (that's really a dudes van lmao 🤣
Go talk to the customer and get the customer your self. All you need is a Master Freight Contract, you already have Cargo Insurance, so you are good.
Have you thought about including all your insurance needs under a bundle policy?
I'm not a lawyer, but my understanding is you don't need to sign a piece of paper for a contract. if you buy milk from a shop, that's a contract. if you park in, say, walmart's car park, they have a sign at the entrance with terms and conditions, that's a contract. if you sign up to youtube they ask you to agree to the terms and conditions, that's a contract, etc.
so what she said was that she could not quote you since she was a rep that was contracted with you current carrier , but you can let any of the other companies you are hearing from quote a rate for you to change over to. after the old policy laps the new policy automatically activates so there is no laps. but since the person who you had on the phone was contracted to the same company you have currently she can't requote you aside from that policy. but if you have Progressive now you can get any other company to quote a policy but you don't want them to be affiliated with the same company in any way and you can do that at any time between now and the laps date.
The insurance premium is based off your “group”. Who is the group? You might ask, that’s your state. So, the insurance company tries to cover their operating cost and the required amount the state mandates for them to keep on hand “cash”. More defaults, claims, not to mention that most trucking companies are holding freight hostage demanding more pay.
And never sign up with a “factoring company” come time to raise capital or borrow money banks will deny it all together. Because your company’s “AR” Account Receivables are technically not yours anymore.
I'm not a truck driver but I've seen lots of swift drivers accidents
That call sounded like a scam to me....
I go to Progressive directly - online; never called an agent got my policy online. AND the requirement was sent to the FMCSA.
I filled out a carrier packet with Coyote a month ago and every time I would call on a load they would tell me that my approval was pending but would never give me a reason why, or tell me what else they needed from me. Then I heard about them selling and figured that might have something to do with it. Still no answer as of today 🤦♂️
Ridiculous right 😑
Did you get a quote from one of the companies that have called to see difference?
Im own a insurance agency in florida. Insurance is now doubt a pain right now. Insurance dont seem to be set up for the consumer. Sorry your dealing with these issues. As an agent and a agency owner, I hate this market as much as you. I would recommend finding a local to you independent agent, and shop every year.
My wife does travel agencies on the side. She gets paid on the back end. I think insurance is the same way. You may not pay less going direct. But going through and agency help someone else out.
"Life is like a box of fireworks, you never know what your gonna get" 🤣
My AUTO insurance, the vehicle I barely drive, went up over $500 a year.
The people who have accidents etc is why insurance is going up.seems .I had my personal car ins go up I called and I was told it up because of uptick of accident in your area I said well raise there ins or drop them I said I got cheaper so I dropped them.
I left progressive and went to great west. I pay half of what I was paying at progressive. Get quoted from them before u go back with them. I got the number if u need it.
Mine went up too and their excuse was the area’s market I’m in 🙄
Justin if you can't get a hold of the insurance company, find out where it's located an go there an ask them directly, I would love to see that, what there doing is absolute BS it's unfair, thanks for sharing
You can't quote Progressive if you're already with Progressive. Their system verifies the DOT and current carrier. They won't quote against themselves and the price would be the same.
I know health insurance is getting bad too. My local pharmacy is closing because they have been getting issues with reimbursement from some health insurance companies. On top of that, they are having issues with new regulations. Like this pharmacy owner have said, "There is no easy way to keep small independent pharmacies anymore. You need to go with a larger chain to get anywhere now."
We got lucky here. A larger chain pharmacy did buy this pharmacy assets, and this chain will be open around Labor Day, but they will keep the old pharmacy going till they convert another building for their use.
My wife is an AVP Underwriting Officer with trucking insurance for Travelers. Mostly fleet insurance, but maybe she can give you some sort of guidance.
you can't get an insurance quote without your loss run report, so our agent holds our loss run report until after locking in quotes from all the big companies, once locked in insurance companies refuse to quote for any other agents, which means we are unable to get any quotes at all until our policy has expired, which sets off alarms bells and nasty letters from fmcsa not to mention your safer safety score, plus it stops all work until a new boc3 issued by your insurance reaches the fmcsa, the whole process can take a couple weeks which is why agents are not scared to steal your money, they know your trapped
G is Dos....7 secs 😂 shy.
My personal insurance in Michigan went down a whole $9!!!! Turning 26 saved me $9, but cost me $2000 in dental surgery 😂😂😂
That's not right with daycare with insurance but you are correct Justin whoever does the insurance wants to make that extra money to go on vacation $5,000 is a lot of money what did he do to deserve a 5,000 for insurance on your vehicle all he does is sit in the office all day the insurance person it's not right that the truck drivers got a deal would somebody be in greedy I'm praying you fine for insurance for your business in your truck
What is the actual cost to your business out of $5000 if it is a deductable business expense?
U might want to try OOIDA. OWNER OPERATOR INDEPENDENT DIVERSE ASSOCIATIONS.
My business insurance went up 35% last year. Its just sickening what’s happening
Insurance put my 3 year old Hot Shot business out of business. No claims or tickets and multiple DOT passing inspections. I did the shopping around but the best rate was one and a half times my starting year. I was prepared for it for the first two years where my profits equaled about $1.75 an hour with me working 65 hours a week. I was facing the wind and taking a massive piss.
Hey what’s up bro how are you much love
♥️♥️♥️
Justin try them all. Geico. Sentry. The Hartford.
Also don't let it lapse because then you will need a no loss letter. Get your loss runs now. Tell them to send you a loss run report for 5 years ok.
We are and progressive still $5-$10k better 😑🙏🏽😮
@@JustTruckin it is a really tough market.
Check out haulers insurance company out of tennessee. We had our commercial insurance changed over to them this past year saving us three grand or more a year
The insurance lobby is so powerful they basically have the states lawmakers in their back pocket. The best way to keep upping rates for no reason is to basically eliminate the opportunity for competition. I'm doubtful you'll get much of a better deal than the renewal increase because at the end of the day they all work together to make money, and a ton of it, from the everyday grinding worker. Good luck.
Justin, you’re entering a verbal agreement/contract with the broker/agent/insurance coy and that’s why all these phone call to businesses are recorded to capture/record the contract!!
4:20 watch out Terry! back it up Terry!
Hello 👋
The insurance industry is just ridiculous. I've had issues with agents too.
The insurance company's can do what ever the want ,I live in New Jersey it sucks!
Hi Justin, why not try Jessica Rush of 10-4 Insurance. Shymone always mentions her.👍
Normally if tou havent made any claims your policy should go down. My PL got down to $550 and then they just refused me insurance after over 10 years without a claim. I got a new policy same day and cheaper because of my perfect record.
You have to be careful insurance agents tent to manipulate info on your policy in order to add more money for their commission
It happened to me that they were using my wife credit report instead of my
Are they forcing you to put a In cab camera in your truck too my son is leased to prime and they are forcing In cab cameras because of Walmart and other companies
No cameras but I feel for Prime drivers
@@JustTruckin my son’s lease is up on August 10th he is going to look for a local job in Oregon
Tank dances better than I do...
lol 😂
Jason is their anyone too sell insure?
Switched from Progressive because of the 5k price hike they tried to pull on me
Justin what company should I work for some day . Is Walmart a good company to work for
No
What’s up J’🙏🇺🇸❤️.
The issue I have is yes it’s gone up all over with insurance and it’s because of many different issues with the main one being economy. The price of everything has gone up to include cars and parts to repair them, BS lawsuits when an accident occurs of the shady ambulance chasing lawyers who can get you big money on your car wreck by sending you to a chiropractor for a few visits that probably has a personal relationship with said lawyer driving up payouts so the lawyer gets their 33% off of someone else’s pain and suffering if there really is any!! The way cars are designed and built are causing them to be totaled when in the past they wouldn’t have been, driving up the cost of payouts. But also it depends on where you live for personal vehicles, if I didn’t live in such a populated area of SC my insurance would be cut in half of what I pay now and that is what the insurance company told me.
Plain to see they don't want the little guy getting in the way
Hey Justin, you definitely CAN get quotes from other companies. You were being led down the wrong path. She’s a Progressive employee and was certainly following a company path to keeping you on their company books. Try your old buddy from Florida or talk to your prep company for a different and independent advice.
Great advice
@@JustTruckinI think someone was trying to sweet talk you to keep you as a customer.anyways it will work out for you it got to .Just a thought call directly to some ins companies that have commercial ins .might work.stay cool .
We need a.trucking bee keeper!! We R getting .taken too the bank in this industry!! Keep digging
Wow on commercial truck insurance. Boy things sure have changed in the insurance industry. Just like with healthcare. I tried to get approval to get into one of the two hospital facilities just to be able to get three hours of physical therapy and of course I got denied because the bottom line is the money is more important than the patient. I just go the ok from my foot doctor on June 10th to be able to weight bear on my left foot. It has taken months to heal due to a diabetic foot ulcer back in October of 2023 when I had two foot surgery the same week. Everyone please listen to me if you are type one or two diabetic keep up with your health. If you are overweight lose the weight or if there are other underlying factors do what you have to do to protect your health. Your health is so important and I don’t want any of you going through what i had to deal with over the last few months. I decided to get serious about my weight lose and in three years time I have lost 140 lbs. I didn’t use any fancy diets or had weight lose surgery I cut back on portions and sugar and was losing one to two pounds a week. When I didn’t lose any weight that week or even gained some weight I readjusted and got back to my weight loss of one to two pounds a week. At first your weight loss will be water loss then it will be fat loss. The biggest thing is if I can do this you can too. You must be in this for the long haul and I know it will get frustrating at times but you can do this. My Lord and Savior Jesus Christ helped me with my weight loss and he can help you too. He is the ultimate healer but remember he does things in his time not ours. You can count on him because he will never leave you. I thank him every day for what he does in my life. If you don’t know him as your personal savior please read The Book of John in the New Testament King James Version Bible. Pay close attention to chapter 3. To God be the glory Amen and Amen! God bless you all!
Clemson !!!! Yes sir !!!!
You can switch from company to company at any time. Progressive is saying that they cant steal business from an agent by requoting you.
If owner operators just parked their trucks for a year or two.... But we know thats impossible for them and the economy😅...
I had Great American insurance they didn't do me like this I only had it on my truck and I had my truck on with a good company
The newer the truck the higher
I had a 2006 Freightliner insurance was $256 a month with a truck that's 4 years old can be around $900 to$1,000 a month
My company pick my loads
I had major problems with my truck last December and 1/4/24 my Dad passed away at age 79 with a vain busted between brain and skull was high blood pressure and a stroke because of this I gave up being a own operator I sold my truck and went as a company driver for now my dad would be 80 next September 6
I live in Alabama next to Columbus,GA
Prayers 🙏🏽 for your Dads memories