Question 1

Why do I have to enter a base premium instead of getting one calculated?

Accepted Answer

Real commercial auto premiums depend on underwriting data — state, garaging ZIP code, vehicle type, driver motor vehicle records, radius of operation, cargo carried, and liability limits — that no public formula can replicate. This tool takes your actual quote or a published state-average figure as an input and does the fleet-level discount and surcharge math around it.

Question 2

What is a fleet discount, and do all fleets qualify?

Accepted Answer

Many carriers offer a discount once you insure a minimum number of vehicles (commonly 3 or 5+) under one policy, reflecting lower per-vehicle administrative cost and often better claims data. Whether you qualify and by how much varies by carrier — check your specific quote or ask your agent.

Question 3

How long does an at-fault accident affect my premium?

Accepted Answer

This varies by carrier and state, but a common pattern is that at-fault accidents affect pricing for 3-5 years before dropping off. Some carriers weight recent accidents more heavily than older ones within that window rather than applying a flat surcharge for the whole period.

Commercial Auto Insurance Fleet Premium Estimator

Discounts and surcharges on your base rate

Common questions