Progressive Commercial Truck Insurance: Quotes, claims, discount, cost and contact information

For truck owners and operators seeking comprehensive insurance coverage, Progressive Truck Insurance is a prominent choice.

Insurance quotes

One of the easiest ways to get a commercial truck insurance quote from Progressive is to use their online tool.

Accessing a quote from Progressive is convenient through their website. Furnish essential details about your truck, business, driving history and desired coverage.

Tailor your quote by adding/removing optional coverages, adjusting deductibles and selecting a payment plan.

Receive an instant quote displaying the total premium and coverage breakdown. Save, print, or email your quote for future reference.

If preferring a representative, contact Progressive at 1-888-806-9598; their 24/7 availability ensures prompt assistance.

For those who value in-person interactions, locate a nearby agent using Progressive’s agent locator tool. This option provides a personal touch in acquiring your insurance quote.

Progressive discounts

Business Experience Discount: You can save up to 15% on your premium if you have been in business for more than three years.

Commercial Driver’s License (CDL) Discount: Save up to 2% on your premium if you or your drivers have a CDL.

Business Owner’s Policy (BOP) Discount: You can save up to 15% on your premium if you bundle your truck insurance with a BOP, which covers your general liability and property insurance.

Paid In Full Discount: You can save up to 15% on your premium if you pay your annual policy in full.

Smart Haul Program: Save up to 18% on your premium if you use an electronic logging device (ELD) to track your driving habits and share your data with Progressive.

Snapshot for Truckers: Save up to 10% on your premium if you use a mobile app to monitor your driving behavior and improve your safety score.

How much does commercial truck insurance cost

Commercial truck insurance costs fluctuate based on factors like truck type, cargo, travel distance, driver experience, and coverage preferences.

The 2019 U.S. average was $9,944 per truck, but individual situations may result in higher or lower costs. Progressive asserts competitive rates, citing averages such as $5,600/year for tractor-trailer liability and $3,000/year for physical damage.

These figures serve as estimates, with actual premiums depending on individual circumstances.

To obtain an accurate quote aligned with your unique needs, reaching out to Progressive directly is the most effective approach.

If involved in an accident, Progressive advises contacting 911 for injuries or significant property damage.

Exchange details with involved parties, capturing names, numbers, insurance information, license plates, and vehicle descriptions.

Document the scene, damages, and injuries through photos or videos when possible. For claims reporting, contact Progressive online, via phone, or through their mobile app.

Upon claim settlement, monitor its status through Progressive’s platforms or communicate concerns with assigned representatives.

Filing a commercial truck insurance claim

How to reduce your commercial truck insurance premiums

There are several ways to reduce your commercial truck insurance premiums and save money on your policy. Some of the most effective ones are:

• Shop around and compare quotes from different insurance companies. You may find a better deal or a more suitable coverage for your needs.
• Increase your deductibles. This means that you will pay more out of pocket in case of a claim, but you will pay less for your premium.
• Maintain a good driving record. Avoid accidents, violations, and claims, as they will increase your risk and your premium.
• Implement safety measures and policies. Train your drivers, maintain your trucks, install safety devices, and follow the regulations. This will reduce the chances of accidents and claims, and may also qualify you for discounts.
• Review your coverage regularly. Make sure that you have the right amount and type of coverage for your truck and your business. You may be able to drop or reduce some coverages that are no longer necessary or relevant.

Minimum insurance requirements

Liability Insurance: Covers injury and property damage. FMCSA sets $750,000 minimum, potentially higher based on truck type, cargo, and state.

Cargo Insurance: Protects against cargo damage. FMCSA requires $5,000 minimum per vehicle, $10,000 per occurrence. State requirements may vary.

Other Coverages: Optional truck insurance types include physical damage, medical payments, and more, tailored to specific business needs and client requirements.

Truck liability insurance limits

Progressive Commercial Truck Insurance Overview: Progressive, a prominent U.S. commercial truck insurance provider, caters to diverse truck types and businesses with a range of coverages and discounts.

Key among these is truck liability insurance, safeguarding against bodily injury and property damage in accidents.

Insurance Limits Explained: Truck liability insurance involves crucial limits – per occurrence and aggregate.

Per occurrence caps the maximum payout for a single accident, while aggregate is the maximum for all claims in a policy period, usually a year.

Federal Motor Carrier Safety Administration (FMCSA) mandates a minimum limit of $750,000, but it can vary based on truck type, weight, cargo, and state regulations.

Progressive’s Flexible Coverage: Progressive offers truck liability insurance with adjustable limits, ranging from $750,000 to $5 million per occurrence and $1.5 million to $10 million aggregate.

This flexibility allows you to align coverage with your evolving business needs.

Beyond liability, Progressive provides additional coverage options like general liability, non-trucking liability, bobtail, and trailer interchange.

Legality and compliace

Licensing Requirements: It mandates a valid CDL and clean driving record. Adherence to federal and state regulations, obtaining a USDOT number, truck registration, record maintenance, and tax payments are essential. Details available on Progressive’s website or at 1-888-806-9598.

Regulatory Oversight: Non-compliance may result in fines, penalties, or CDL and policy repercussions.

Learn more about Progressive’s approach to regulatory actions on their website or through customer service.

Privacy Assurance: Progressive Commercial Truck Insurance prioritizes privacy, using information solely for service provision, communication, and legal compliance.

Stringent measures protect against unauthorized access. Review their privacy policy on their website or contact their privacy officer.

Terms and Conditions: Progressive Commercial Truck Insurance outlines policies on coverage selection, premium payment, claims, notifications, and dispute resolution.

Understand limitations, such as exclusions and deductibles, by reading terms and conditions on their website or calling 1-888-806-9598.

Contact information

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