How to choose a truck insurance agent in Texas

Check the license first

Every agent who sells insurance in Texas needs a license from the Texas Department of Insurance. Look up the agent and the agency with the TDI agent lookup before you share VINs or driver info.

Questions worth asking

• How many trucking accounts do you write, and what kinds of operations?
• Which carriers will you quote for my truck type and radius?
• Can you file my Form E with TxDMV and my BMC-91X with FMCSA?
• How fast can you issue a certificate of insurance when a broker asks?
• Who do I call when I need to add a truck or a driver?
• What happens at renewal if my rate goes up?

Red flags

• A quote with no carrier name on it
• Pressure to bind before you see the policy terms
• A price far below every other quote with no clear reason
• No help with filings or certificates

Reading online reviews

Google and BBB reviews help, but read the low ones closely. Complaints about slow certificates and missed filings matter more to a trucker than complaints about hold music. You can also check complaint records for insurance companies through TDI.