🚛 New Year, New Coverage: Why the Start of the Year Is the Best Time for Texas Truckers to Review, Start, or Switch Insurance

The New Year isn’t just a fresh start for personal goals — it’s also the best time of year for truckers to fix insurance issues, save money, and start 2025 protected the right way.

Every January, we see Dallas truckers call us for the same reasons:

• Their insurance went up

• A claim was denied

• They’re starting a new authority

• Their coverage doesn’t match what brokers now require

If you’re an owner-operator or fleet based in Texas, here’s why right now is the smartest time to take action — and how Danaco Group can help.

🎯 Why the New Year Is the Best Time to Review Your Trucking Insurance in Texas

Insurance policies aren’t “set it and forget it.” As your operation changes, your coverage needs to change too.

At the start of the year, it’s the perfect moment to review:

• 🚛 Trucks added or removed

• 👨‍✈️ New or removed drivers

• 📦 Cargo types or values

• 🧾 Claims or violations from last year

• 💰 Premium increases at renewal

Why it matters:Many truckers are either overpaying or underinsured without realizing it — until something goes wrong.

✅ A quick review can uncover savings

✅ Fix coverage gaps before a claim happens

✅ Align your policy with current broker requirements

🆕 New Year, New Authority: Insurance Checklist for Texas Truckers

January is one of the busiest months for new trucking authorities — and insurance mistakes are the #1 reason MC numbers get delayed.

If you’re starting a new authority in Texas, you’ll need:

✔ Primary Liability Insurance(required by FMCSA or TxDOT depending on your operation)

✔ Cargo Insurance(most brokers require $100,000 minimum)

✔ Physical Damage Coverage(protects your truck & trailer)

✔ Bobtail / Non-Trucking Liability(if leasing or driving without a load)

✔ Correct Filings(BMC-91X, MCS-90, Form E, depending on intrastate vs interstate)

🚨 Common mistake:Buying the cheapest policy without proper filings — which delays authority activation.

At Danaco Group, we specialize in new authority setups and make sure everything is filed correctly the first time.

🔄 Why Switching Truck Insurance at the Start of the Year Can Save You Money

If your trucking insurance renewed late last year — or is about to — January is one of the best times to shop and switch.

Here’s why:

• 📉 Clean new-year underwriting periods

• 📊 Updated mileage & equipment info

• 🧾 Fresh claims review

• 💬 Time to restructure deductibles & coverage

Many Dallas truckers come to us saying:

“I’ve been with the same company for years, and my rate keeps going up.”

Often, we can:

✅ Find better pricing with another carrier

✅ Improve coverage without raising cost

✅ Bundle policies for savings

✅ Fix exclusions that could cause claim denials

Switching at the right time can protect your business and your wallet.

🛡️ Trucking Insurance Products We Help Texas Truckers With

At Danaco Group, we work with multiple carriers to customize coverage for your operation, including:

🚚 Primary Liability Insurance

📦 Cargo Insurance🛠️ Physical Damage Insurance

🔁 Bobtail / Non-Trucking Liability

🏢 General Liability

👷 Occupational Accident

📄 FMCSA & TxDOT Filings

📊 Policy Reviews & Rewrites

We don’t sell one-size-fits-all policies — we build coverage that fits your routes, freight, and goals.

⭐ Why Dallas Truckers Choose Danaco Group

✔ Local Dallas-based trucking insurance experts

✔ Fast quotes & filings

✔ Help with claims questions (before problems happen)

✔ Experience with new authorities & growing fleets

✔ We shop rates so you don’t have to

Whether you’re starting fresh, reviewing coverage, or switching providers, we’re here to help you start the year right.

🚀 Start the Year Protected

The New Year is the best opportunity to fix what didn’t work last year — and prevent costly surprises in the next one.

👉 Contact Danaco Group today for a free trucking insurance review or quote and make sure your coverage is ready for 2025.