---
title: "Commercial Auto Insurance Quotes"
description: "Get commercial auto quotes with Spot: we organize your vehicles, drivers and how you use them, take one submission to market and compare the proposals."
canonical: "https://spot.insure/insurance/commercial-auto/quotes"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/insurance/commercial-auto/quotes)

## Agent Guide

**What this page is:** Get commercial auto quotes with Spot: we organize your vehicles, drivers and how you use them, take one submission to market and compare the proposals.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Get commercial auto insurance quotes with Spot

List your vehicles and drivers with your Spot team, and we prepare the submission brokers use to request commercial auto proposals.

- Vehicles, drivers and use described once
- Liability and vehicle-damage terms compared quote by quote
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=quote&coverage=commercial-auto&icp=trades)

## How it works

- **List your vehicles.** Share each vehicle you own, rent or have employees use for work. Your Spot team asks how each one is used, including personal trips in company vehicles.
- **Add drivers and current coverage.** We collect who drives what, their driving records and your current policy into a submission, so the broker has what insurers ask for first.
- **Brokers take it to market.** We work with brokers to request proposals from insurers that write vehicles like yours, and follow up on their questions.
- **Compare liability and damage terms.** Each quote’s liability, collision and comprehensive coverage, deductibles and total-loss valuation sit side by side before you choose.

## What you’ll need

- **Vehicle schedule.** Every vehicle with its identification number, and whether you own it, lease it or rent it.
- **Drivers and their records.** Who drives each vehicle, and their driving histories, which insurers review before quoting.
- **How each vehicle is used.** The work it does, such as deliveries, service calls or client visits, and whether it’s also used personally.
- **Employee-owned and rented vehicles.** Employees who drive their own cars or rentals for work, since that is hired and non-owned auto liability.
- **Modifications and safety features.** Equipment added to a vehicle and safety features it has.
- **What’s carried in the vehicle.** Tools, stock or other property you carry, since goods in a vehicle can be excluded or limited.
- **Current coverage.** Your expiring policy, so proposed terms can be compared against it.

## What affects your price

- **Number and type of vehicles.** A larger fleet, or heavier and more specialized vehicles, generally costs more to insure.
- **Drivers’ records.** Driving histories shape how insurers see the risk of each driver.
- **How the vehicles are used.** A delivery van on the road all day carries different exposure from a car used for the occasional client visit.
- **Liability limits.** Higher liability limits cost more, and an umbrella policy may sit over them.
- **Physical damage choices.** Adding collision and comprehensive, and a lower deductible, increase the premium.

## Coverage

- [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes)

## Common questions

### Can I use my personal auto policy for work?

Possibly for some business use, but tell your personal insurer what the work involves. Even if it covers your driving, it may not protect the business.

### What if employees drive their own cars for work?

That’s hired and non-owned auto liability, which we review alongside coverage for your own vehicles rather than assuming one policy handles every work trip.

### Does commercial auto cover the goods I carry?

Don’t assume so. Property carried in a vehicle can be excluded or restricted, so we ask what protects your goods as well as the vehicle.

### Can I keep the broker who handles my vehicles?

Yes. Spot works alongside your broker and takes no commissions on premiums. If you want a different broker for your fleet, we can help.

## More

- [Get quotes](https://spot.insure/insurance-quotes)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance/commercial-auto/quotes.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)