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My vehicle rates......

Discussion in 'Business Fundamentals' started by southsideone, Nov 2, 2006.

  1. southsideone

    southsideone Member
    Messages: 35

    Personal vehicle quote from Progressive was 1620/yr (online quote)
    Commercial Progressive was 1470/yr (call in quote)
    hmmmm......now lemme think.......

    the only downside is they dont offer general liability.
  2. southsideone

    southsideone Member
    Messages: 35

    ......whats a ballpark figure for general liability for a year, w/1mil coverage? (im the only operator)
  3. LLM Ann Arbor

    LLM Ann Arbor Senior Member
    Messages: 876

    1000 to 1200 a year.
  4. john boardman

    john boardman Member
    Messages: 44

    I also had Progressive Personal on my 2005 GMC CREW was paying 199.00 month and had my wife excluded as a driver. I called and talked to Progressive Commercial and it dropped to 163.00 month. So I added the wife as a driver and upped the personal/property liabilities to 100,000/300,000/100,000 and now pay 191.00 per month cheaper for commercial who would have imagined :dizzy:
  5. john boardman

    john boardman Member
    Messages: 44

    I pay for a general contractors policy w/inland marine rider about $ 800.00 yr $ 600,000.00 coverage owner/operator. So up that to 1mil and a 1000.00 yr is probably right on but most likely is based upon where you live.
  6. blk90s13

    blk90s13 PlowSite.com Addict
    Messages: 1,157

    did i mention i hate NJ ? :realmad:
  7. lodogg89

    lodogg89 Senior Member
    Messages: 412

    150.00 a year for 1mil here in nebraska, American Family Insurance.
  8. Bry@n

    Bry@n Senior Member
    Messages: 159

    My personal Ins is only $750 a year on the 06 Dodge 3/4 ton. That's for 250k/ 500k coverage. I spend another $200 for my umbrella policy.

    I think the commercial truck coverage was like $2000 a year.
  9. PatrickCampbell

    PatrickCampbell Junior Member
    Messages: 23

    $200 a month here for Progressive @ 300k CSL with 16k truck value and 4k plow value. This was a firm quote - I am just personal at the moment. Which is $210/month for my wife (Jetta TDI) and my truck (above), but with no comp/collision on the truck.
  10. BobC

    BobC Senior Member
    Messages: 129

    I had Progressive for a comm. policy and when I got rid of them my rate went down$$800. Don't be fooled by TV ads shop shop and shop
  11. john boardman

    john boardman Member
    Messages: 44

    Disregard all that I just canceled that as well as my commercial auto that I paid 2200 a year for and went with 1 company

    1 mil general liability (construction business w/snowplow coverage) 3 mil umbrella
    1 mil auto full coverage commercial 250/500 deduct w/1mil uninsured/under-insured 3 mil umbrella

    all for 2132.00 per year 4 payments of 533.00

    I'm actually now 10 bucks a month cheaper than just my auto rate but now have general, commercial auto, plow coverage and higher liabilities with lower deductibles

    Company name Selective Insurance out of PA.
  12. tjlands

    tjlands Senior Member
    Messages: 579

    I have Selective also.
    They do an audit at the end of the year and bill me the difference.
    Depends on payroll/ employees and snow revenue.
    I have all of my ins thru them except for Workers Comp
  13. dfdsuperduty

    dfdsuperduty Senior Member
    Messages: 597

    The best quote i got for $1mil. gen liability insurance was 875.00 with me as the sole operator and it was thru american family

    old man winter where is the snow in chicago