Ridiculous commercial auto insurance quotes!!!

I recently financed a 2024 Ram 2500 to do hotshot trucking (general freight). After contacting different carriers to work under their company USDOT, they tried adding me, my truck & 40ft trailer under their commercial insurance policy which is very basic, $1M liability and $100K Cargo. mostly through progressive.

The quotes are coming out insane rangine from $20,000 – $30,000 for 6 months. the owners on these carriers are paying around 6-8k for 6 months premium knowing they add their truck plus a 40ft trailers so why tf am i getting this huge number???

Allstate and Geico are no better. Im about to go crazy man, I got the truck, trailer and done all the paperworks to get on the road legally and now I'm stuck on the insurance part….

Can someone help me find a way to get lower insurance quotes. Who are yall insured by and how much is your premium? what truck do you drive? could it be the type of vehicle and finance status? I really dony know anymore. Im aiming for the lowest coverage as well which is coming up with crazy with crazy quotes.

any help would be appreciated to get me on the road ASAP.

Texas state. operate interstate. i might as well just aim for intrastate and do auto hauling if it gets me cheaper insurance.