This is a HUGE problem in our industry. Many of the insurance carriers don't even write "Trucking for Hire" policies.
As a partner carrier and broker we have no way to monitor the policies that are in place on the trucks actually hauling the freight when the owner operator is providing the...
Agents make a set commision on insurance policies from the insurance carrier generally. They don't actually get to "mark the policy up". So if two different agents are quoting you a different rate on the "same" progressive policy, it is not the "same" progressive policy.