Questions? Answered — instantly.

Quotes are always free and take minutes. Three ways: ask the AI assistant in the chat window (bottom right), call or text (310) 299-5555, or use the online quote form. A licensed agent follows up the same day with real numbers from A-rated carriers.

Less than you think — a quote is a free estimate and nothing is mandatory to start. For auto: vehicle year/make/model (or VIN), your age, ZIP code, and years of driving experience (any country counts). Share what you can; a licensed agent fills in the rest by phone.

We are independent brokers, licensed since 2013 (CA License #0K77310). We work for you, not for one insurance company — we compare 15+ A-rated carriers in one conversation and place your policy with whichever offers the best rate for your situation.

Да! Мы говорим по-русски. You can chat, call, or text in Russian: (310) 299-5555. Russian site: covertoday.com/ru.

California (home base, License #0K77310), plus Texas, Illinois, Arizona, Nevada, North Carolina, and Washington.

Same day in most cases. Same-day binding, same-day SR-22 and DOT/MC filings, and certificates of insurance (COIs) delivered in hours — often while you wait.

Yes — attach photos right in the chat window (paperclip icon), email info@covertoday.com, or text (310) 299-5555. Registration, driver’s license, and your current policy declarations page speed up any quote.

Office hours: Mon–Fri 9:00–6:30, Sat 9:00–5:00 Pacific. The AI assistant in the chat answers instantly 24/7, and an agent follows up the same business day.

Rates depend on your driving record, vehicle, ZIP code, and coverage level — there is no one price. What we do: compare 15+ A-rated carriers and apply every discount you qualify for. The quote is free, so the fastest way to know your real number is to ask.

Good driver (3+ years licensed — experience in any country counts — and no more than 1 point), marriage discount, family discount, multi-car, multi-policy bundle, and more. A licensed agent applies everything you qualify for automatically.

Yes. Hard-to-place drivers are our specialty: accidents, points, DUI, suspended licenses, foreign or international licenses — even no license at all. Every record can be insured.

An SR-22 is a certificate of financial responsibility filed with the DMV — usually required after a DUI, driving without insurance, or a suspension. It’s a filing attached to an auto policy, not a separate policy. We file SR-22s the same day. More: SR-22 in California guide.

We insure drivers with foreign and international licenses, and your driving experience from any country can count toward the good-driver discount. Many of our clients start exactly this way.

Yes — rideshare (Uber/Lyft), Uber Black, and TCP-permitted drivers and fleets, including the commercial policies TCP permits require. See the rideshare insurance guide.

No commitment — a quote is a free estimate, and you decide if you want the policy. Insurance quotes use a soft inquiry that does not lower your credit score.

Federal minimums: $750,000 auto liability for general freight (GVWR over 10,001 lbs) — most shippers and brokers demand $1,000,000. Add cargo coverage (typically $100,000 — brokers require it), physical damage for your truck, and your broker files the federal forms (BMC-91/91X) with FMCSA. Important: proof of insurance must reach FMCSA within 90 days of applying or the application is dismissed.

Mostly yes — but registration changed. FMCSA’s new Motus registration system now ties authority to your USDOT number, issues randomized numbers, and assigns one docket number per new authority. MC/MX/FF prefixes still exist; full elimination of docket numbers is only "under consideration." Full explainer: MC numbers & Motus in 2026.

Typical market ranges in 2026: roughly $8,000–$16,000/year for an owner-operator with a clean record, $12,000–$20,000+ for a new authority, more with violations or claims. Leased-on owner-operators (non-trucking liability + physical damage only) often pay $3,000–$5,000. Details: truck insurance cost guide.

Helpful (nothing mandatory to start): DOT or MC number, truck and trailer type, radius of operation, and cargo hauled. We handle owner-operators and fleets: liability, physical damage, cargo, filings, and same-day COIs.

Yes — same-day COIs are standard for us, usually delivered within hours, including certificates for brokers, shippers, and lease agreements.

Yes — box trucks, hotshots, cargo vans, dry vans, reefers, flatbeds, car haulers, and local delivery. Owner-operators under their own authority or leased on. See the owner-operator guide.

Often, yes. Rates vary widely between trucking carriers, and a multi-carrier broker can re-shop your whole program (liability, cargo, physical damage) at once. Send your current declarations page via chat or to info@covertoday.com and we’ll compare.

Business name, industry/type of work, and number of employees — that’s enough to start. We insure contractors, HVAC, appliance repair, movers, nail & hair salons, and many other small businesses.

Same day — usually within hours. Tell us who needs to be listed as certificate holder or additional insured and we’ll send it directly.

Yes — California requires workers’ compensation for any business with employees, even one part-timer. Details: workers’ comp guide.

Yes, and it usually pays: multi-policy discounts apply across personal and commercial lines, and one broker managing everything means one renewal review and one phone number.

1) Check for injuries; call 911 if anyone is hurt. 2) Move to safety, exchange driver/insurance info, photograph vehicles and the scene. 3) Get witness contacts. 4) File the claim directly with your insurance company’s claims department — call the customer service number on your insurance card and choose the claims option (usually 24/7). 5) In California, also file DMV form SR-1 within 10 days if damage exceeds $1,000 or anyone was injured. Not sure who your carrier is? We’ll point you in the right direction — free, whether or not you’re our client.

Tell us what to change — in chat, by call/text at (310) 299-5555, or email info@covertoday.com. A licensed agent processes every change; it takes effect once the agent or carrier confirms it.

Have us re-shop it. A claim doesn’t price the same at every carrier — as independent brokers we compare 15+ A-rated markets and move your policy if someone prices your record better.