Get Your Commercial Auto Insurance Quote
Compare rates from 50+ carriers in minutes. Free, no-obligation quotes for every vehicle type.
Getting a commercial auto insurance quote should be fast, easy, and free. At First Heritage Insurance Agency, we compare rates from 50+ top-rated insurance carriers to find you the best coverage at the lowest price — whether you need one vehicle or an entire fleet.
Most businesses receive their initial quote within hours, and we can often bind coverage the same day. No lengthy applications, no waiting weeks for a response, and no obligation to buy.
TL;DR: Get a free commercial auto insurance quote from FHIA in as little as 24 hours. We compare rates from 50+ carriers — including Progressive Commercial, Sentry, National General, and CNA — to find the lowest price for your specific vehicle and operation. Most quotes are delivered same-day for standard vehicles with clean driving records. Call (631) 659-0189 or request a quote online. Updated April 2026.
Last updated: April 2026 · Written by the First Heritage Insurance Agency (FHIA) Commercial Insurance Team
How FHIA’s Quote Process Works
Getting your commercial auto insurance quote from FHIA is simple:
Call us at (631) 659-0189 or fill out the quote form on this page. We need basic information about your vehicles, drivers, and business operations. It takes about 5 minutes.
Unlike single-carrier agents who can only offer one price, FHIA submits your information to 50+ carriers simultaneously — including Progressive Commercial, Hartford, Travelers, CNA, Sentry, National General, and specialty carriers. This competition drives your price down.
We present you with the best options — typically 3–5 competitive quotes — explain the differences, and help you choose the right coverage. Once you decide, we can bind your policy immediately. You drive away covered.
What You Need for a Quote
Have the following information ready to get the fastest, most accurate quote:
| Information Needed | Details |
|---|---|
| Vehicle information | Year, make, model, VIN, and GVW for each vehicle |
| Driver information | Name, date of birth, license number, and years of experience for each driver |
| Business details | Business name, type of business, years in operation |
| Use description | How the vehicles are used (delivery, service calls, hauling, etc.) |
| Operating radius | How far from your base your vehicles typically travel |
| Current insurance | Current declarations page (if you have existing coverage) |
| Desired coverage | Liability limits and deductible preferences |
Do not have all of this yet? No problem. Call us at (631) 659-0189 and we can start the process with whatever information you have. We will walk you through the rest.
Why Get Your Quote from FHIA?
- 50+ carriers competing for your business — More competition means lower prices
- Same-day quotes — Most quotes returned within hours, not days
- Same-day binding — Need coverage today? We can make it happen
- No obligation — Get your quote, compare it to what you have, and decide with zero pressure
- Local expertise — Based in Melville, Long Island — we know New York insurance inside and out
- Bundle savings — We also write GL, workers comp, and commercial property — bundle for 10–25% savings
Vehicles We Quote
FHIA provides commercial auto insurance quotes for every vehicle type:
- Pickup trucks and work vans
- Box trucks and cargo vans
- Semi-trucks and tractor-trailers
- Dump trucks and flatbeds
- Tow trucks and wreckers
- Food trucks
- Taxis, black cars, and livery vehicles
- NEMT and wheelchair vans
- Fleets of any size
Trust Signals
- 1,500+ Google Reviews — One of the highest-rated insurance agencies on Long Island
- 20+ years in business — Serving New York businesses since 2003
- 50+ carrier partnerships — Access to every major commercial auto carrier
- Local office — Visit us at our Melville, Long Island location on S. Service Road
- A+ rated carriers — We only place policies with financially strong, highly rated insurance companies
Before requesting your quote, it helps to understand the factors that determine your premium. Our commercial auto insurance cost guide breaks down what New York businesses typically pay.
Not Sure If Your Business Qualifies?
Our commercial auto specialists can review your fleet, drivers, and operations to find the right coverage at the best rate. No obligation, no pressure.
Most businesses get a quote within 24 hours
What Get a Quote Business Owners Say About FHIA
"The representative I spoke with, Brandon, was very pleasant and explained what his part was in finding me the best quote. He explained things that were never told to me in over 20 years of having insurance. Very refreshing experience."
Lea P. - Google Review
"We run 15 service vans on Long Island and First Heritage got us preferred tier pricing that our previous broker said was impossible. Their knowledge of the commercial auto market in New York is unmatched."
David K. - Google Review
"Got dropped by my insurance company and had to search for new insurance. Tiffany helped me beyond expectations and even after hours since my insurance was expiring the next day. Highly recommend First Heritage for anyone in a tough spot."
Murad S. - Google Review
"From the very first hello, Tiffany made me feel like she was here to help me. I had 2 days to receive car insurance and was desperately looking. She found me the best rate and made the whole process seamless. I could not be more grateful."
Carole P. - Google Review
Why Choose FHIA for Commercial Auto Insurance
We are not a call center or a quoting platform. First Heritage is an independent brokerage where your policy is personally underwritten by our founders.
Exclusive & Direct Access
No brokers involved. You work directly with our underwriting team from quote to policy.
Flexible, Common-Sense Underwriting
We look at the full picture of your business, not just a risk score. Real underwriting by real people.
Tailored for Commercial Auto Insurance
Custom coverage solutions built specifically for your operation, not cookie-cutter packages.
Faster Turnaround
We control the process from start to finish. Most quotes delivered same day, COIs within 24 hours.
Program Coverage & Capabilities
Related Commercial Auto Insurance Services
How Much Does It Cost?
See average costs before you get your quote.
→NY Requirements
Make sure your quote meets NY requirements.
→Small Business Insurance
Quotes for small businesses with 1-3 vehicles.
→Truck Insurance
Specialized quotes for commercial trucks.
→Fleet Insurance
Multi-vehicle quotes with fleet discounts.
→Long Island Coverage
Local quotes for Long Island businesses.
→Frequently Asked Questions
How long does it take to get a commercial auto insurance quote?
FHIA typically provides commercial auto insurance quotes within hours. For straightforward vehicles with clean driving records, we often have quotes ready the same day you call. More complex accounts (large fleets, specialty vehicles, or newer businesses) may take 1–2 business days.
Is the quote free and no-obligation?
Yes. FHIA provides free, no-obligation quotes for all types of commercial auto insurance. There is no cost to get a quote, no pressure to buy, and no hidden fees. We earn our commission from the insurance carrier when you decide to bind a policy — you never pay us directly.
Can I get commercial auto insurance the same day?
In many cases, yes. FHIA can often bind a commercial auto policy the same day you request a quote. We work with carriers that have fast-approval processes for standard vehicle types and clean driving records. Call (631) 659-0189 to get started — if you call in the morning, you can have coverage by afternoon.
What information do I need to get a quote?
For the fastest quote, have your vehicle VINs, driver license numbers, business name and type, and current insurance declarations page ready. If you do not have all this information, call us anyway — we can start the quote process with basic details and fill in the rest as we go.
Why should I get a quote from a broker instead of going direct?
When you call a single carrier directly, you get one quote at one price. When you work with FHIA, we compare rates from 50+ carriers simultaneously, so you get the best available price. Brokers also advocate for you during claims and can re-shop your policy at renewal to make sure you always have the most competitive rate.
Online Commercial Auto Quotes vs. Broker Quotes in NY — Which Is More Accurate?
Online instant-quote tools provide rough estimates based on limited information, often underquoting by 20–40% because they don't account for NY-specific factors like garaging zip code nuances, TLC requirements, or cargo classifications. A broker like First Heritage Insurance Agency actually submits your application to multiple carriers' underwriting systems, returning binding quotes that reflect your real premium. The difference is especially significant in New York's complex commercial auto market, where rates vary dramatically between carriers for the same risk profile.
Where Can I Get a Fast Commercial Auto Insurance Quote Near Long Island?
First Heritage Insurance Agency in Melville, NY provides same-day commercial auto quotes for businesses across Long Island. FHIA submits your information to 50+ carriers simultaneously, so you get multiple competitive options quickly. Call (631) 659-0189 or request a quote to compare real carrier pricing for your specific vehicles and business type.
What Information Do I Need to Get a Commercial Auto Insurance Quote in New York?
To get an accurate commercial auto quote in New York, have ready: vehicle VINs and GVWs, driver names with license numbers and dates of birth, your USDOT number (if applicable), business entity type and FEIN, garaging address, annual mileage per vehicle, cargo type and value, and your current loss runs (claims history for the past 3–5 years). The more complete your information, the more accurate your quote. Incomplete submissions often result in higher estimated premiums because underwriters assume worst-case scenarios for missing data.