FreshDirect Auto Insurance for 2021
FreshDirect auto insurance is critical for FreshDirect delivery drivers. You will not have to buy FreshDirect auto insurance, as the company provides a commercial auto insurance policy to its drivers, though you may still need additional insurance coverage. Since commercial car insurance rates are $273.08/mo, it's best to compare all the options for auto insurance for FreshDirect delivery drivers in your area.
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UPDATED: Sep 7, 2021
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- FreshDirect is a grocery delivery service that provides fresh produce to customers in select cities
- Because drivers use company vehicles, FreshDirect auto insurance is also provided
- If you want additional coverage, commercial policies and other FreshDirect auto insurance options are available
- FreshDirect auto insurance is $273.08/mo with Progressive
FreshDirect delivery auto insurance is critical for the company’s delivery drivers. As a delivery driver, your present auto insurance policy will likely not provide adequate coverage if you are involved in an accident while delivering.
Fortunately, FreshDirect provides a commercial auto insurance policy to its drivers at no cost, but drivers are also required to have at least three years of recent commercial truck driving experience or have a recent CDL.
Understanding auto insurance for delivery drivers is essential to maintaining affordable FreshDirect auto insurance. Keep reading to learn more about FreshDirect auto insurance, including FreshDirect delivery driver insurance requirements and more.
Ready to find out how much delivery driver insurance costs in your area? Enter your ZIP code above to get affordable delivery driver auto insurance quotes in your area.
Is there special FreshDirect auto insurance?
FreshDirect auto insurance is available to FreshDirect delivery drivers, given they meet the company’s delivery driver requirements.
The FreshDirect auto insurance policy only covers the drivers, not passengers or pets.
Since a personal policy does not cover a car used for commercial purposes, commercial auto insurance is often recommended to delivery drivers. Commercial insurance is designed to protect anyone who is using their car for work purposes, including delivery drivers.
A commercial auto insurance policy will be separate from your personal one, which means a separate monthly bill. Separate bills can get expensive depending on the rates of your current provider.
Because FreshDirect covers its delivery partners, purchasing a commercial auto insurance policy may not be necessary.
If the auto insurance provided by FreshDirect is not enough to cover you, another option is to purchase a temporary auto insurance policy until you know whether your current policy will cover you or not.
To get the best deal on auto insurance for FreshDirect delivery drivers, make sure you compare quotes from multiple companies in your area before you buy FreshDirect auto insurance.
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How much are FreshDirect auto insurance rates?
FreshDirect delivery driver auto insurance rates vary depending on the driver as well as the auto insurance company, which makes average rates challenging to determine.
Since there is not a specific FreshDirect auto insurance company to choose from, we pulled some average personal and commercial auto insurance rates from Progressive.
Check out the following table for an idea of what you may pay for personal and commercial auto insurance rates with Progressive:
|Type of Food Delivery||Progressive|
|Personal Insurance (No Delivery)||$105.83||$635.00||$1,270.00|
|Food Delivery (Just Business)||$273.08||$1,638.50||$3,277.00|
|Food Delivery (Business/Personal)||$296.83||$1,781.00||$3,562.00|
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These rates are just averages from one company. You can get commercial auto insurance through almost all auto insurance companies. However, this is only necessary if FreshDirect’s auto insurance policy does not adequately cover you.
Regardless of which auto insurance policy you are shopping for, it is always in your best interest to compare auto insurance rates from multiple companies. Comparing rates helps you find the best auto insurance companies for you.
Will my personal insurance cover me as a FreshDirect delivery driver?
Generally, a personal insurance policy will not cover a FreshDirect delivery driver in the event of an accident. The main reason for this is that a personal insurance policy is for personal use only.
The moment that you use your car for commercial or business purposes, such as delivering for FreshDirect, your personal policy ceases to provide protection.
Without adequate coverage, you may be driving uninsured any time you clock in to deliver. Meaning, if you get into an accident, you will be left with all the costs.
An uninsured accident can easily cost thousands of dollars. You may be left to pay for repairs to your vehicle, medical bills, and even the expenses of car accident lawyers that you need to employ. Accident victims can also sue FreshDirect if they’re in an accident uninsured.
Car accidents are among the largest causes of injuries in the United States, which means the likelihood of having one is high. With car crashes so prevalent, it is beneficial to make sure you are fully covered to avoid an expensive mistake.
Whatever policy is available, it’s critical to avoid delivering for FreshDirect or any other delivery service until you have the right coverage.
FreshDirect Auto Insurance: The Bottom Line
FreshDirect is dissimilar to other companies with delivery services in that it does offer auto insurance coverage to its delivery drivers. However, if this provided policy is not enough for you, there are other options out there.
To ensure sufficient coverage, FreshDirect delivery drivers may choose to switch to a commercial auto insurance policy or apply for temporary car insurance.
As a delivery driver for FreshDirect, you partner with the company in giving back to the community. Through the company’s website, you can view the many ongoing FreshDirect philanthropy programs.
If you are not a delivery driver and would like more information about FreshDirect, like leaving a FreshDirect tip, FreshDirect delivery problems, or “is FreshDirect a subscription,” the website has all the answers you need.
The best way to save on FreshDirect auto insurance is to reach out to your current provider to see if your personal policy is one of the few that will protect you on the clock. It’s also useful to compare affordable FreshDirect auto insurance quotes before you purchase a new policy.
Are you interested in looking at delivery driver auto insurance quotes near you? Enter your ZIP code into our free online tool for instant delivery driver auto insurance rates in your area.