Insurance for car hauler?

My first year was little over $13k with 100k cargo 1 mil liability no collision coverage for truck and trailer, upon renewal I was offered $9k by a different company but decided to stay with current company at $10k. BTW, I run a 1 ton F-350 dually with 3-car wedge trailer. What had happened was my truck needed some urgent repairs and I had to deliver two cars so I took my personal truck which is also an older 1 ton F-350 to deliver the cars. On the way I got stopped and the cop asked me if I have a DOT #, I was so stupid I told him I don't have a DOT # but I have a business DOT number he demanded the DOT # and proceeded to do inspection. This inspection got onto my DOT records and my insurance asked me about it, I told them exactly what happened they told me I have to add the personal truck to the policy or they cancel me. I told my insurance my personal truck has its own insurance and I can't drive two trucks at the same time the cost would be prohibited, so they sent me a letter to cancel due to 'increased risk'.

I have been shopping but it seems the insurance companies they conspire with one another, the only quote I got now is $24k. I have had no claims, the only difference on my DOT record from the time of renewal to now is one OOS due to incomplete log book (I did not log ONE day in the seven day period because on that day I only went to a location 50 miles from my base with proof and still got OSS). In the 13 month period I have had 8 inspections 4 of which have no violation, the other 4 inspections have violations: 3 OOS due to incomplete log book (driver didn't think logging was necessary not because of driving more hours than allowed) and one load securement.

What's these experiences have shown me is that the DOT officers they specifically target the pickup trucks, no doubt about this I have heard other saying this and once they stop you they don't like to walk away with no violation. Some officers are not as honest as they could be, some will include outright bogus violations and you need to read the inspection reports very carefully and dispute the inaccuracies on DataQ right away while they are fresh. The FMCSA likes to criminalize us, they use language like 'falsified or false log' for incomplete log, 'unsafe driving' for not stopping at the scale...

 

I have couple question for you, if an officer is late to his work or sleeping in his car , is it 'falsified' or 'false' work? How do you like 'undocumented'?

 

Look like you are scared of a little competition, aren't you? You missed the big picture, pay for the new car crush the new car doesn't matter the insurance companies will just raise rate to keep their profit. Our government of the people for the people force the people to buy insurance and when the insurance companies went bust like IAG in 2008 bailed out the insurance companies with the people money. These vulture insurance companies and the banks (one and the same) are truly the devil and they have thoroughly and completely corrupted our government. After this hurricane season the vultures raise premium because they have 'lost' money. Well, for 10 years prior to 2017 there weren't many 'losses' where did the premium money go, into a black hole? There are few raped victims who defend the rapist, perhaps you are one of this rare species? You are in the wrong like of work, go work for the vultures hopefully they will throw you a bone.