Insurance Quote Checklist
Progressive's commercial auto insurance quotes are tailored for individual businesses and their drivers and vehicles. To help us provide you with the most accurate business insurance quote, you should have some basic information on hand. Have the following items in front of you when you call to get a commercial auto insurance quote for your business.
Your current insurance policy declarations page
Your declarations page, also known as a coverage summary, lists how much and what types of insurance coverage you have. When getting a quote, you can use one from whatever type of policy you have now, whether it's a commercial auto insurance policy or a personal auto policy.
We use your current declarations page to get an idea of your insurance needs and to suggest what insurance options are best for you.
It doesn't matter if this is the first time you're purchasing commercial auto insurance. You can refer to your personal auto insurance policy as a starting point for your commercial auto insurance quote.
Providing your current declarations page is also proof that you've maintained continuous insurance coverage, which could instantly save you up to 25 percent on your insurance premium.
If you don't have a declarations page, you can:
- Use your personal auto insurance coverage summary instead. Progressive accepts personal auto insurance as continuous insurance coverage, which is the easiest way to save on your insurance.
- Have Progressive call your current insurance provider to obtain your existing insurance coverage. Talking to your current company also qualifies as proof of continuous insurance coverage, which will save you a lot of money.
- Get a quote without a declarations page. If you currently don't have any type of personal or commercial auto insurance, it's OK. Progressive can still give you an accurate commercial auto insurance quote. We'll simply walk you through your options to decide what's best for your company's needs.
Driver's license numbers and basic driving histories for all drivers
When you provide driver's license numbers for all drivers on your commercial auto insurance policy, we are able to review their driving records on file with your state's Department of Motor Vehicles and determine the risk factors.
We'll ask you whether the driver has a Commercial Driver's License (CDL) and how long they've had the license. In many cases we offer an Experienced Commercial Driver discount that could save you as much as 4 percent on your commercial auto insurance.
We'll also want to know the date (month and year) of any accidents or traffic violations, such as speeding tickets, that the driver has encountered in the past three years.
Instead of driver's license numbers for all drivers, you can:
- Give us a quick history of any accidents or traffic violations, including speeding tickets, for each driver.
- Tell us what you do know about driving histories, even if it's not very much. During your business insurance quote, we also can assume each driver has no accidents or violations and give you a commercial insurance quote based on a clean driving history. Unfortunately, if drivers do have any accidents or violations, the quoted price may be subject to change once we review actual driving histories.
VIN numbers, plus knowledge of each vehicle's features
A VIN number provides information about the type of vehicle you want to insure. If you have extra equipment or safety features installed on your vehicles, including side-impact air bags or anti-theft systems, you can save money on your insurance just for driving a safe vehicle.
What if I don't know the VIN numbers for my vehicles?
Simply provide us with information about your vehicles including the make, model and year.
Find out more about insurance discounts and how to save on commercial auto insurance.
