I've researched this in the past, all these companies that are smaller want you to have your own cargo insurance which cost about 400 a month. I hope someone has a better answer. Lower weekly monthly expenses is the trick to this business and waiting for loads that pay, American wages is worth the wait. I can't survive in my demographics on .70 cents a mile. Mines well just stay at home and find a cheap place to live and enjoy life locally. $1 per mile I'm ready to turn the key, we're in business.