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.
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
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.
→Why First Heritage Insurance Agency?
Multiple Carriers, Best Rates
As an independent broker, we compare quotes from 50+ top-rated carriers to find you the right coverage at the lowest price.
Local Expertise Since 2003
Based in Melville, NY, we understand the unique commercial vehicle insurance needs of New York and Long Island businesses.
Fast Quotes & Easy Process
Get a commercial auto quote in minutes, not days. Our team handles the paperwork so you can focus on running your business.
Claims Support When You Need It
When an accident happens, we advocate on your behalf with the carrier to get your claim resolved quickly and fairly.
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.