I think that what you were quoted was for either cargo ins. only, or non trucking liability. I spent 2 months getting quotes after applying for my own authority and with any kind of mileage range that would work for an expediter was at least 4000.00 per year, and I have a clean MVR
Call John @ Commercial Insurance Solutions 1-330-864-1511
He is most knowledgable of this industry. Below are the exact details of my quote.
$1 Million Primary Liability
$100,000 Uninsured/Underinsured Motorist
MI mandatory PIP/PPI
$100 comprehensive deductible and $1,000 collision deductible with the Stated Amount/Actual Cash Value, whichever is less, of $9,000 on your van
$100,000 in cargo coverage w/$1,000 deductibles
Roadside Assistance
2 additional insureds on your policy
It can't hurt to give him a call.