Don't let your renewal lock in another year.
Compare real quotes from 15+ A-rated carriers before you sign for another year. No lapse, no paperwork on you.
Which best describes you?
Quick answers, better matches
All of it, already handled.
Here's why renewal switching is the smoothest time to switch — and how we make sure of it.
0
minutes uninsured
No lapse, no gap
Your new policy goes effective the same moment your current one ends. BMC-91 stays continuous. FMCSA never sees a hole.
15+
carriers compared
Real numbers, not estimates
We shop your operation across A-rated carriers and bring back actual quotes — not ballpark ranges. You see what's available before you commit.
100%
of paperwork on us
Nothing on your desk
BMC-91 filing, broker COI re-issues, lienholder letters, prior-carrier cancellation notice. You sign once, we run the rest.
<1 hr
of your time
Done in a lunch break
Quote review, e-signatures, broker list — totalled across the whole switch. You do not negotiate with your current carrier.
What actually happens, step by step
Quote comparison
Submit your DOT. We pull your profile, shop 15+ carriers, and come back with real numbers tailored to your operation — usually within 1-2 business days.
Decision + binding
If we beat your current rate, you sign and we bind the new policy with an effective date that lines up exactly to when your current one ends. If we can't beat it, you renew where you are. No pressure either way.
Clean cutover
Old policy ends 11:59pm. New policy starts 12:00am. BMC-91 updated. Your trucks don't notice a thing. Every broker on your list gets a fresh COI before they ask.
What we handle vs. what you handle
Most of the work is on our side. That's the entire point.
Us
8 things we do
- Shop your operation across 15+ A-rated carriers
- File the new BMC-91 with FMCSA on your cutover date
- Re-issue COIs to every broker and shipper on your list
- Notify lienholders on any financed equipment
- Send the cancellation notice to your current carrier
- Coordinate effective dates so there's zero gap
- Track refund/return premium until it lands in your account
- Update your account in carrier systems with all unit details
You
4 quick tasks
- Review the quote scenarios we send (~20 min)
- E-sign the policy documents (~10 min)
- Forward one email containing your broker/shipper list (~10 min)
- Loop in your accounting team if you have one (~5 min)
- Your total time~45 min
Quick answers
What if my current policy is fine and I just want to renew?
Totally normal outcome. We shop your operation, send you the numbers, and if your current carrier is still your best option, you renew where you are. Free comparison, no commitment.
How close to my renewal date is too close to switch?
Two weeks is workable. Inside one week, options shrink fast — underwriters slow down and pricing gets less flexible. The comfortable window for shopping is 30-60 days before renewal.
Will switching at renewal trigger any cancellation penalty?
No. You're not canceling mid-term — your policy is ending naturally on its scheduled date. There's no short-rate fee, no penalty. Just a clean handoff to the new carrier.
What about my BMC-91 / FMCSA filings?
Your new carrier files an updated BMC-91 effective the day your old policy ends. Federal financial responsibility stays unbroken on FMCSA's side. We handle the filing — you don't touch a form.
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