About this service
Is there a charge to submit a request?
No. It is free and you are not obligated to buy anything.
Is NYTruckQuote an insurance company?
No. It is a request service. Licensed agents and insurers provide quotes and coverage.
Can a new authority get covered?
Yes, many insurers write new ventures, though they look closely at the owner's driving and industry experience.
Who files my insurance with FMCSA?
The insurer files the required forms once a policy is bound. You cannot file them yourself.
Who will contact me?
A licensed agent or partner that writes trucking may reach you by phone, text or email as you agreed.
How do I opt out?
Reply STOP to texts, tell a caller to stop, or use the privacy request form.
Coverage questions
Does moving my yard change my premium?
It can. Tell your agent before relocating, because garaging location is part of the rating.
Do NYC box trucks need a USDOT number?
It depends on weight and whether you cross state lines or haul for hire. Interstate commercial vehicles over 10,000 pounds generally need one; check FMCSA and NYSDOT rules for your situation.
Can I insure a truck only for the busy season?
Some insurers allow seasonal adjustments. Ask how lay-up coverage works before parking a unit.
Do I need trailer interchange coverage?
If you pull trailers owned by others under a written interchange agreement, it is commonly required. Ask your agent to review the agreement.
Does my policy cover me in Canada?
Many U.S. truck policies include Canada in the coverage territory, but terms vary. Confirm in writing before cross-border work.
What if I haul several commodities?
List them all with an estimate of the share of revenue for each. The insurer rates the mix.
Is dumping covered under auto or general liability?
It depends on where and how the incident happens. Carry both and ask the agent how the policies work together.
Does cargo coverage pay if a load is rejected?
Only if the rejection results from a covered cause, and terms vary widely. Ask how each insurer handles rejected loads.
Does cargo cover damage inside a customer's home?
Usually not. Damage to a customer's property during in-home delivery is typically a general liability matter.