Fourteen years behind the wheel and I've dealt with a lot of insurance people. Most of them don't know the difference between a dry van and a flatbed. I called ARX on a Thursday, explained my operation, and had a binder by Friday morning. No runaround, no confusion, no three days of silence. Just somebody who knew what they were doing. I've been with them since, and I'm not going anywhere.

My reefer broke down in Kentucky on a full produce load. I was sick thinking about the loss. I called ARX, and they walked me through every step—the claim, the carrier contact, and what to document at the scene. That load was covered. That's not something you forget. That's why I tell every driver I know to call them first."

I was two weeks into my new authority with zero loss history and most places wouldn't even give me a real quote. ARX picked up, asked the right questions, and got me covered the same day. Reasonable rate, no attitude about being new. A year later I've added a second truck and they handled that in one phone call. That's the kind of agency you stay with.