Progressive Commercial Auto Insurance

Smart businesses understand the importance of commercial auto insurance for their work vehicles, and Progressive Commercial understands those needs. We've insured commercial vehicles for more than 30 years, and we're the nation's third-largest commercial auto insurance company. On top of that, we have an A+ rating from A.M. Best. We work hard for hardworking businesses.

Commercial Vehicles We Insure

Progressive Commercial insures the following types of vehicles:

* Pickups
* Cargo Vans
* Dump Trucks
* Tractor Trailers
* Tow Trucks
* and Many More

Extent of Coverage We Provide

Our coverage is extensive, and our service is outstanding. We insure almost any business type, including new ventures, and our liability limits — up to $1 million CSL — can meet small and large companies' insurance needs.
Get Fast Quotes Immediately

Call 1-888-393-9738 for a no-obligation quote today. If you choose to buy, you can start your commercial auto insurance policy with Progressive Commercial immediately. You could be saving hundreds on your commercial truck insurance.
Fast and Easy Quotes

Our licensed insurance agents will provide a customized quote that meets your commercial auto insurance needs. They will answer your questions and help you select the coverages you need to fully protect your business vehicles.
Flexible Quote Options

Choose policy options that are right for your business vehicles:

* Low initial payments & monthly bill plans
* Flexible deductible options
* Commercial auto discounts
* Lower rates for experienced drivers

Request a Free Auto Insurance Quote

AARP Members Could Start Saving Now

The AARP Auto & Home Insurance Program from The Hartford offers AARP members comprehensive coverage at great rates.
Competitive Auto Insurance quotes for your vehicle

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When AARP members get an insurance quote and buy car insurance from The Hartford, they enjoy a comprehensive package of benefits and services not found in most other auto insurance plans.

Availability of features and benefits may vary by state.
First Accident Forgiveness
We waive any premium increase associated with your first accident so long as all drivers on your policy are free of accidents and major violations for the previous five years.†
Lifetime Renewability
No need to worry about losing your car insurance. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.††
Disappearing Deductible
Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record – until it reaches $0.†
RecoverCare
This auto insurance feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident.†††
12-Month Rate Protection
Because the AARP Auto Insurance Program from The Hartford offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies.
24/7 Hassle-Free Claim Service
When you have an auto insurance claim, it’s good to know that your car insurance company has the experience and know-how to make the claims process as smooth as possible. Learn More About Our Auto Claims Services.

Your auto insurance price is guaranteed for an entire year

Convenient Payment Options

You can pay by mail, online or through automatic deductions. You can also choose to pay monthly, quarterly or in one lump sum.

After-Hours Policy Services
When you need policy information, answers to billing questions or assistance with policy changes, including after normal business hours, our Customer Response Center will help you.

Call 800-526-1547 7AM to 11PM, Monday through Saturday, and 9AM to 7PM on Sundays, Eastern Time.

Manage Your Policy Online
View policy information, pay your bill, make changes to your policies, and report an auto and/or homeowner claim when you register for eService.

More benefits for Auto policyholders*

* Accident Forgiveness
* Unlimited Rental
* New Car Replacement
* Multi-Policy Savings
* Guaranteed Repairs


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The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

How To Prepare a Commercial Auto Insurance Checklist

Some businesses rely on automotive vehicles for the critical parts of their operations. If this is the case for your business, then you may need to invest in commercial automobile insurance. Investing in a commercial automobile insurance policy for your business-dependent vehicles can protect your business with monetary returns should these vehicles get damaged or break down within the regulations of the insurance policy. The first step in getting your business vehicles insured is by creating a checklist for the insurance. Consult multiple policy holders to get a grasp of what the insurance can do for your business.

1. Provide your information. Visit your prospective policy holder and start out by handing him the basic information about you and your business. Get a piece of paper and writer your full name and contact information. In addition, write down the name of your business and your office address.
2. Provide the details of your business. For the policy holder to understand your needs, you will need to provide details about your business. Give him a description of your business, the date the business started, and the registration of the business. If you business is a corporation or partnership, let the policy holder know the other members of the business. Make sure to explain what your business does clearly so that the policy holder will know what he can offer you.
3. Describe the vehicles and their importance in your business. First off, make sure to tell your policy holder the importance of the vehicles to your business. For example, if your business provides hauling services, then tell the policy holder that you have trucks and if something happened to them, then your business will experience hell. In this case, the policy holder will understand the importance of these vehicles to your business. Remember to enumerate all the vehicles that you want to insure. Provide the make, model, year, and Vehicle Identification number (VIN) of each vehicle. If you have a lot of vehicles, create a catalog with all the vehicles, pictures of each vehicle, and the needed information listed therein.

4. Provide a list of people that operate the vehicles. Commercial auto insurance will only become valid if the insured vehicle will be operated by specific people listed in the insurance policy. In this case, list down all the people that will be operating each vehicle that will be insured. Make sure to submit the name, motor vehicle record, and a copy of the driver’s license or permit of each person listed. Bear in mind that each person will be linked to a specific vehicle so be diligent and plan this out.
5. Determine the coverage. Policies for commercial vehicle insurance for limited liability coverage can range from $10,000 to $1,000,000. Consult with the insurance agent or policy holder and determine the best option for your vehicles. Normally, the coverage will be dependent on the importance of the vehicle and its current depreciated value.

Once you have provided all the information needed to your policy holder, it is time for them to draft the policy for your approval. Acquiring coverage for your business vehicles is vital in protecting your business from accidents and damages that can weaken how it operates.

Auto Insurance Discounts

Our goal is to provide you with the right coverages and services at the best price. And with multiple discounts connected to your car, driving record and employer or professional association, you could save off of our already competitive rates.

Passive Restraint Discount
For cars with factory-installed motorized safety belts and/or one or more air bags.

Antilock Brakes Discount
For cars with factory-installed antilock brakes on all four wheels.

Anti-theft Device Discount
For cars with an anti-theft device.

Low Mileage Discount
For driving your car less than 7500 miles per year.

Good Student Discount
For teen drivers who maintain a B or equivalent grade point average.

Multi-Car Discount
For insuring more than one car with Liberty Mutual.

Exclusive Group Discount*
For a member or employee of an employer or group, alumni association, credit union or other group that is a part of Liberty Mutual's affinity program.

Multi-Policy Savings
For when you insure both your home and car with Liberty Mutual.

* Not available in Texas. Texas residents should ask a sales representative about Liberty Mutual Advantage.

The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations and exclusions that can only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of coverages, please consult a sales representative.

European Car Insurance

Around eight million Brits take their cars to the Continent every year, but many wrongly assume their existing policy provides the same level of cover in Europe as it does here in the UK. Research into European car insurance from moneysupermarket.com found that 39% of motorists weren't aware that many insurers downgrade your level of cover if you take your car abroad.

What protection is available for driving in Europe?

Unless you take out a specific European car insurance policy, chances are you will only be covered for basic road traffic accidents or third party cover. Only a handful of insurers automatically extend comprehensive cover to travelling abroad and some only increase cover if you contact them, even if extended coverage is free.

The basic level of cover is known as an international motor insurance certificate, or a Green Card. If you are involved in an accident in several European countries including Malta, Romania, Poland and Andorra you will need to produce a green card to prevent your car being impounded. Most insurers will provide the Green Card on request, usually with first class delivery to your contact address.

However, the Green Card only provides the minimum level of cover you need for travelling in a European Union country - and in some cases this may be less than third party only cover in the UK.
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How can you get the level of protection you need?

To extend the level of cover you get when you take your car abroad, you will usually have to pay an extra charge to your insurer. Many providers offer European insurance that matches the level of protection you have in the UK as an optional extra with cover for up to 90 days of travel in one policy year (coverage periods vary).

Be wary however, as some insurers that claim to offer European car insurance may still exclude certain aspects of coverage. For example, many insurers will not provide legal protection or breakdown cover while abroad. You should also consider the countries that are covered by the policy - insurers may only cover travel in member countries of the European Union.

Rates vary widely and you may need to shop around to find cheap European car insurance. Europe can be more expensive than the UK for repairs and part replacements, and many insurers take into account the type of car being covered and other pertinent factors. Consequently you should read the terms and conditions of your policy carefully before you travel.

Auto Insurance Basics

Exceptional Auto Insurance from MetLife Auto & Home®

We protect more than your car, we protect your lifestyle. Expand your personal safety net with Auto Advantage™ and receive:

* Full Replacement Cost1: If you total your new car, we'll pay the full cost to replace it, subject to your deductible
* $50 Deductible Credit: For every year you don't have a claim2
* Guaranteed Repairs3: For as long as you own your vehicle
* Enhanced Coverages: Protect you from out of pocket expenses after an accident
* Superior Claim Service: Speak to someone 24/7
* Discounts and Rewards for safe driving, multiple policies and more

With MetLife Auto & Home, you can rest assured you're protected for the road ahead.

Get an Auto Quote NowGetanAutoQuoteNow
Safeguard Your Identity
As a MetLife Auto & Home insurance customer, you will also get Identity Protection Services at no additional charge.

You might also consider:

RV insurance if you own golf carts, ATVs, snowmobiles or similar recreational vehicles.

A GrandProtect® insurance policy package for your car, boat, home and more. One policy package, one deductible and expanded coverage.

Insurance for collectible cars through our agent Condon & Skelly

Personal Excess Liability Insurance: supplements your current coverage to help protect your assets from sky-high judgments.
Auto Insurance Details
We're with you when you’re behind the wheel

Coverage PlusTM features are part of the most comprehensive and affordable policies available. Our standard coverage options come with a range of benefits and additional features can be added to further enhance your policy.

When you buy an auto policy, you put together a “package” of standard and not-so-standard coverages, including:

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Liability Protection

Even the most careful drivers can cause an accident, and they don't even have to be 100 percent at fault to be financially liable for injuries and property damage.

* Bodily injury coverage pays** claims in the event you're responsible for an accident in which someone is injured
* Property damage coverage pays** claims for damage your vehicle causes to someone else's property, such as someone's car, mailbox, or a fence on someone's land

Concerned about how sky-high judgments could affect your assets? Learn about Personal Excess Liability Insurance


Collision and Comprehensive Coverage Advantages

Our collision coverage pays** for damage to your car if it hits another vehicle or object, or if your car rolls over, no matter who causes the accident. Our comprehensive coverage pays** for damage to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

But, at MetLife Auto & Home you get more complete coverage and benefits, including:

* New car replacement: if you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get the full cost of the new car with no deduction for depreciation.2,4
* Major parts replacement: we'll pay to replace certain major parts—like tire, brakes and batteries--no matter what their wear-and-tear/depreciated value at the time of the accident.2
* Glass repairs without a deductible: if your windshield is chipped or cracked, we'll repair it and waive your deductible. Repairs are usually completed in fewer than 30 minutes.
* Guaranteed Repair Program: choose one of our carefully screened recommended repair facilities, and we'll guarantee the work for as long as you own that auto. But it's voluntary; use any repair shop you like. In MA, guarantee provided through Platinum Auto Service Program.



Medical Payments Coverage and Personal Injury Protection

This covers** costs of doctors, hospitals and funeral expenses, for you, your resident relatives, and/or your passengers, resulting from a covered accident, regardless of who was at fault. You'll also be protected when you drive another person's car (with permission) or if a vehicle strikes you or family members, as pedestrians.

In some states, Medical Payments Coverage is called Personal Injury Protection, and may pay for lost wages and replacement services for an injured party.


Uninsured/Underinsured Motorists Coverage

Uninsured motorists (UM) coverage pays** the cost of damages and injuries resulting from being hit by an uninsured driver or by a hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians. Coverage for both you and your passengers include medical expenses, lost wages, and other injury-related losses.

Underinsured motorists (UIM) coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.


Enhanced Rental Car Coverage

If you have an accident while driving a rental car, you'll be covered for** the following "hidden costs" charged by the rental agency, such as:

* Rental income lost during repairs
* Claim handling expenses
* Decrease in market value of the rental
* Related expenses, like towing and storage

Not available in NC.


Safe Driving and Other Discounts and Rewards

*

Deductible Savings BenefitSM for good drivers. Through Deductible Savings Benefit,1you'll automatically earn a $50 credit toward your deductible every year you do not have a loss. This credit can build year-by-year to a maximum of $250.
*

7% Defensive Driver Discount. Earn up to a 7% discount by completing a qualifying driver safety course. You can even purchase a home-study course for just $19.95 at the National Safety Council website. You must be a licensed driver for at least two years. Additional restrictions apply. Before purchasing, speak to a MetLife Auto & Home representative to be sure you're eligible for the discount. Discount and availability varies by state. Successful completion of other MetLife Auto & Home approved courses also qualifies for the discount. In some states, discount not available for completion of on-line courses.
*

12% Superior Driver Discount or 20% MetRewards®. Earn up to a 12% Superior Driver Discount if all of the drivers in your household have outstanding driving records, or up to 20% MetRewards, if you are claim and violation-free for 5 years. Discounts and availability vary by state.
*

Multi-policy discounts. Save up to 10%5 with our multi-product and multi-policy discounts for having home as well as auto insurance with us. For other multi-product and multi-policy discounts not listed here, contact your MetLife Auto & Home representative today.
* Sample multi-policy discounts:
o Auto/Home multi-policy Discount: 10%5
o Auto/Life multi-policy Discount: 5%6

Landscaping & Snowplow Vehicle Insurance

Progressive’s landscaping insurance includes snow plow insurance for small businesses. Progressive defines landscaping and snow plowing businesses as those earning income by providing landscaping or snow plowing services to residential or commercial properties. They may also earn income by delivering or selling firewood.

Landscaping and snow plowing businesses that typically need work truck insurance include:

* Lawn care installation or maintenance
* Tree trimmers
* Snow removal
* Firewood delivery

Seasonal Landscaping Insurance and Snow Plow Insurance For Small Businesses

In most areas of the U.S., landscaping and snowplowing are seasonal businesses. If your vehicles are stored during the off-season, you'll want to consider a Comprehensive Only policy. This type of landscaping and snowplowing insurance is not only extremely affordable, it saves you the hassle of having to cancel or renew your policy every season. Even better, Comprehensive Only insurance protects your vehicle during the off-season.
Ice Cream Truck Insurance

Progressive can help with insurance for ice cream trucks. Even with safety features such as extra mirrors and a safety arm, operating a moving vehicle loaded with sweet treats around children can be dangerous. That’s why insurance for ice cream trucks can be expensive.

Find out how Progressive’s insurance for ice cream trucks can save you money – and will protect you, your ice cream truck and your young customers. Call toll free at 1-888-806-9598!
More About Work Truck Insurance

Seasonal work truck insurance is often needed by small business that provide landscaping or snow plowing services. Another common seasonal coverage need is insurance for ice cream trucks.

Because your vehicle is often on-site at customer-owned locations, Liability insurance is important insurance for landscapers and for snow plow drivers.

Insurance options like Property Damage Liability coverage pay for damages if, for example, you accidentally scrape a customer's car with your snow plow.

Since you're essentially self-employed, you also may want to consider extra Medical Payments insurance, which can help you pay high-cost medical bills incurred as a result of an accident.

These snow plow and landscaping insurance options are vital to protect your business. Visit the business auto insurance section for a complete list of everything you'll need.

Why You Need Auto Insurance

As the population continues to grow, more cars and drivers hit the highways. With so many vehicles on the road, crashes are inevitable. Automobile Insurance can be the difference between a minor inconvenience and a major hassle. But why do you need insurance and just how much should you buy?
Auto insurance is required by law in all states and protects you by paying for damage or injury you cause others while driving your car; damage to your car or injury to you or your passengers in your car from a crash; and certain other occurrences such as theft and vandalism. Without insurance, you risk having to pay the full cost of any harm you cause others with your vehicle.
Coverage requirements vary by state, but usually include the following:
Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended.
Personal Injury Protection: This is required in many states. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also pay for lost earnings, replacement of services and funeral expenses. State law usually sets minimum required amounts.
Medical Payments: This coverage is available in some states (usually the states without no-fault insurance), and pays regardless of who may have been at fault. It pays for an insured person's reasonable and necessary medical and funeral expenses for bodily injury from a crash.
Collision: This pays for damage to your car caused by collision.
Comprehensive: This pays for damage to your car caused by "Other Than Collision"; including fire, wind, hail, vandalism and animal strikes.
Uninsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a hit and run driver.
Underinsured Motorist: This pays damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages.
Auto insurance premiums vary widely from company to company and will depend on several factors, including:What coverage's you select; The make and model of the car that you drive, your driving record, your age, sex, and marital status and where you live.
Many people think of auto insurance as a necessary evil that can save your financial well being. Evaluate your needs, do your research and make the decision that best suits you.

Would You Like To Save Big Money On Your Auto Insurance And Reduce Your Risk Of Auto Theft?

With the rising price of gas, skyrocketing health care costs, etc... Americans are feeling the economic crunch. Lets put some money back in your pocket right now and lets take a bite out of auto theft.
The best part is
(1) You don’t have to switch insurance carriers.
(2) Local auto dealers charge $299-$499 for this same service (real price should be $25-$30)- What a ripoff! (Note dealers also charge $200-$1000 for replacement headlights when you can buy headlight cleaner and restorer for under $20).
(3) You can easily purchase it direct from the manufacturer below cost right through the internet!
Police departments, insurance companies, AAA Auto Club, Motor Week, Speedvision TV, and leading consumer groups and publications all recommend window etching as a strong theft deterrent and a great investment.
The top 10 most stolen autos:
1. Toyota Camry2. Honda Accord3. Oldsmobile Cutlass4. Honda Civic5. Jeep Cherokee6. Chevrolet trucks7. Toyota Corolla8. Chevrolet Caprice9. Ford Taurus10. Ford trucks
Did you know that every 19 minutes a car is stolen in this country! Vehicles equipped with a visible theft deterrent system are 4 times less likely to be stolen. Auto etching uses a strong caustic to etch vin #'s and other registered numbers into your car windows (glass is the third most valuable item after plastic headlights and air bags that professional thieves look for - these items are then resold on Ebay and elsewhere by these thieves for quick cash). 95% of thefts are by professional car thieves.
Chemical auto etching is a safe process. No damage is done to the vehicle and it can be professionally done. It is very affordable as its actual costis 70 – 85% less than auto dealer’s charge and has many benefits:
1) It has been proven to enhances vehicle value at resale.2) INSURANCE DISCOUNTS OF UP TO 35% OR MORE!*3) No mechanical parts to break down or need repair.4) SAVE MONEY AND HAVE PEACE OF MIND! – 9 out of 10 auto thefts are by professionals who will not take a car with traceable numbers.
One of the most cost effective security steps is having a security number etched on each window. Start saving big on your insurance today! Auto etch, like headlight cleaner and restorer, is a bonafide product backed and used by the police in every state. It is guaranteed to save you far more than it costs, has numerous benefits, And you can undercut the dealer and buy it without paying their ridiculous prices ($200-$600+)! For more information on Auto etch and/or similar products like headlight restoration kits contact the author below or look up auto etch on the internet. * Insurance discounts can vary by state and by carrier.

Why Should You Shop Around for Auto Insurance?

Does buying from the most expensive company mean you are buying the best coverage? Generally, a good deal is a state of mind. As long as you are happy, with the amount of coverage, you have and how much you paid for it, you got a good deal. For each person, the amount of coverage they need and what they can afford to spend is usually a different amount.
The main reason drivers overpay on their insurance is they do not shop around. CarInsurance.com offers an easy way to shop around. They do compare the pricing of several auto insurance quotes. Knowing how much coverage you need will help you select an insurance company. This is one of the best ways for consumers to maximize what they get for their insurance premiums.
Insurance is a highly competitive business. There are thousands of insurers offering policies to consumers. Each consumer's goal should be to find a financially solid company that offers a fair price along with superior customer service. How do you know which company can provide such a combination of both good pricing and customer service? One way is to talking to friends, relatives, and business associates. Ask people you know and respect what insurance company they use. Ask if they are pleased with how their company handles claims.
The insurance industry is highly regulated. It is important to do business with a company that is licensed by the state in which you live. Another factor of the strength a company has is its A.M. Best Company rating. You want to be comfortable knowing that in the event of a claim your company will be there for you. A.M. Best Company is the industry leader providing ratings and financial information for insurance companies.
How do you know what to expect from your insurance company? Your insurance company and its representatives should be able to answer your questions. They should be able to help you determine what coverage and limits you should carry based on your needs. They should handle any claims fairly, efficiently and quickly. You should feel comfortable with both the insurance company that you select and the insurance agent or company representative that you will be working with. Your insurance professional should take the time to understand your insurance needs and answer all of your questions to your satisfaction.
Now is the time for your fingers to punch their way to a quick rate analysis and view the ratings at the same time.

What Are the Different Types of Auto Insurance

There are a number of different types of auto insurance that are available to drivers. In the United States, auto insurance is mandatory and not a choice. However, drivers can enjoy a number of varying insurance offerings in order to allow them the flexibility in cost and coverage that they are looking for from their insurance company. Not all insurance companies offer the varying types of coverage, so it is very important for you to check with your company to learn the limitations of what they have to offer you.
Liability coverage from an auto insurance company will cover the damage that occurs to other drivers as a result of your actions. There are a few different levels to liability coverage. First, bodily injury liability will cover the cost of another person's medical costs or death if they are hurt in an accident that is found to be your fault. If a person in an accident files a case against you as a result of the accident, liability coverage can provide you with some legal defense. You will want your liability coverage to ensure that if a claim is brought against you, you have enough insurance to cover a judgment without involving your own personal finances or assets.
Property damage liability covers the cost of repair or replacement when you damage someone else's property in an accident if the accident is proven to be your fault. Insurance collectively referred to as comprehensive and collision coverage will cover the cost of repair or replacement of your vehicle in the event of an accident. In some cases, the coverage will also cover the cost of another vehicle if you are not driving your own when the accident occurs.
Comprehensive insurance coverage can also cover the cost of your vehicle if your car is stolen, damaged by animals, a fire or flooding. Specific coverage is limited to the terms and conditions set forth in your insurance policy; as such, individuals need to check with their insurance company for details in their policy.
Underinsured motorist property damage covers the cost of repairs when the negligent party possesses insurance, but the limitations of which would not be enough to repair the damage caused. Underinsured motorist bodily damage covers the medical costs for you, members of your household and passengers in your car when the insurance of the negligent driver does not cover the entirety of the amount needed. Uninsured property damage protects the vehicle of a person who gets into an accident with a negligent driver who does not have insurance.
Uninsured motorist bodily injury protects insurance policy holders, members or their household and passengers in their vehicle from medical costs or the costs of death. This policy will be relevant in the event that an no-fault driver does not have insurance. Only twelve states within the United States offer no-fault insurance, where insurance coverage is covered on the part of the policy holder regardless of whose fault the accident may be. This means that your vehicle or bodily damage will be covered by your own insurance, whether you are the negligent driver or not.