YOUR NEXT RENEWAL STARTS HERE

How to prepare for a
trucking insurance quote.

Know when to start, what to gather and what can wait. One organized request gives your insurance conversation a head start.

See the document checklist

Trucking AI preparation guide · Updated September 13, 2026

GIVE YOUR NEXT QUOTE TIME

When to start your insurance renewal

1–5 trucks

30 days ahead

Aim to submit about 30 days before renewal.

6–10 trucks

30–60 days ahead

Aim to submit 30–60 days before renewal.

11+ trucks

60–90 days ahead

Start preparing 90 days ahead. Aim to submit around 60 days before renewal.

Trucking AI planning recommendations. Insurer windows and requirements vary. Starting early gives you time to review options; it does not guarantee a lower price.

Need coverage sooner? Start now and tell us your desired start date.

First truck or new authority?

Use your planned coverage start date in place of a renewal date. Tell us what you know today; you do not need a previous policy to start a request.

PREPARE ONCE. KEEP IT TOGETHER.

What documents do you need?

These are useful preparation items, not required uploads. Quick and full requests can start with your name and one contact method. No EIN is requested.

Current policy & renewal date

Your declarations page or coverage summary, renewal date, and any cancellation or non-renewal notice. New business? Say this is your first policy.

Truck & trailer schedule

Year, make, model and VIN for each unit; garaging location and insured value where relevant. Include units you plan to add or remove. A CSV schedule saves typing.

Driver schedule

Your current driver list, license number and state, and driving experience. Add hiring information if requested. Only share driver information you are authorized to provide.

Claims history / loss runs

Available loss-run reports from your current and previous insurers. Ask the reviewing agent which years and how recent the reports need to be.

A short picture of your operation

What you haul, operating states and radius, mileage, fleet changes, and when you need coverage. A voice note can explain details that do not fit a form.

FOR LARGER OR MORE COMPLEX FLEETS

Keep supporting records within reach.

A reviewing market may also ask for mileage or IFTA/ELD reports, safety and driver-training materials, MVRs, or financial statements. Upload these only when relevant and requested. Requirements depend on the insurer and operation.

What are loss runs, and how do I get them?

Loss runs are insurer-issued reports of your claims history. Request current reports from your current and previous insurers or agents. The reviewing agent should confirm the required years and report freshness; some fleet programs ask for five years.

You can use this request:

Please send currently valued loss runs for [company name], policy [number], covering [requested years], including open claims. Please send the reports to [my email].

Checklist references: Progressive Commercial’s quote checklist and RLI’s fleet submission requirements. These are examples of insurer requirements, not partner or market-access claims.

LESS TYPING. MORE CONTEXT.

How to submit your request

Choose the start that fits your day.
Quick quote asks for a few details. Full quote starts with attachments. The agent option asks for your name and phone number.
Let your existing information do the work.
Enter your USDOT to prefill available public company details. Add VINs, paste labeled information or import a CSV schedule. Review the match and correct anything that has changed.
Add documents or a voice note.
On your phone, select files or photos; on a computer, you can also drag and drop. Record a note to explain your operation. PDFs, images, CSVs and audio are supported: up to 10 files, 10 MB each. Export spreadsheet schedules as CSV before uploading.
Review, save and keep control.
Check the contact details and your requested start date. Leave optional details blank if needed. Review the request notice; promotional emails are a separate, optional choice.

Know what happens after submission.

In this private preview, your request and attachments are saved for review in Your requests. Check your saved request for the agency email notification status. Insurer pricing and automatic callbacks are not connected. An insurance proposal requires a licensed agency’s review and, where applicable, insurer underwriting.

MAKE AN INFORMED CHOICE

A useful comparison goes beyond the price.

When you receive proposals from an agent, ask for the same effective date and a clear explanation of these differences.

Coverage & limitsWhat is covered, who is covered and what is excluded?
DeductiblesWhat would you pay toward a covered claim?
Total cost & payment termsCompare premium, fees, down payment and installment costs.
Your operation & agent supportConfirm eligible drivers, cargo, required filings and how to get help with changes or claims.

An early, clear submission leaves more time for questions and review. It does not guarantee acceptance, the lowest premium or a quote from every insurer.

Before you start

I renew next week. Is it too late to submit?

Start now and state your exact requested start date. The suggested timelines are planning targets, not a restriction on starting a request. Quote turnaround depends on the reviewing agency and insurer.

Can I start without every document?

Yes. The detailed fields and uploads are optional. Save the information you have and say what is missing. A reviewing agency may need more information before an insurer can quote.

Does AI already read my PDFs and check every market?

No. Current prefill uses public USDOT/VIN data and labeled text or CSV imports. PDF/image extraction, voice transcription and insurer market connections are not active. Your uploads remain attachments for review.

START WITH WHAT YOU HAVE

Your next step can be simple.

Private preview: requests are saved in your workspace. Review the agency notification notice before submitting; a callback time is not guaranteed.

How to prepare for a trucking insurance quote.