FreshDirect Car Insurance: Discounts, Rates, & Requirements (2021)

FreshDirect provides FreshDirect car insurance for its delivery drivers. FreshDirect provides fleet vehicles for its drivers, and because of this, they are able to provide commercial coverage on all the vehicles under a fleet vehicle policy. However, if FreshDirect drivers want to have coverage above what is provided by the company, they can do so by purchasing endorsements or hybrid commercial policies.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 8, 2021

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Things to Know

  • FreshDirect is a delivery service that supplies fresh produce to customers in select cities
  • FreshDirect provides a vehicle for its drivers
  • Because drivers use company vehicles, commercial coverage is also provided
  • However, if you want additional coverage, commercial policies or endorsements are available

If you live on the east coast, you have likely seen many FreshDirect delivery trucks. However, if you have ever considered driving one, you need to learn more about FreshDirect car insurance.

Keep reading to learn more about how FreshDirect delivery works and what kind of car insurance coverage is provided to drivers.

Do you want to jump right into looking for affordable FreshDirect car insurance? Enter your ZIP code above, and we will help you get started.

Is FreshDirect a subscription?

While FreshDirect does have a subscription option, it is not exclusively a subscription service. For customers who want to receive groceries regularly, FreshDirect offers their DeliveryPass system.

For delivery drivers, this system ensures they have regular deliveries regularly, which, given that FreshDirect tips are allowed, means more money.

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How is FreshDirect different from other delivery services?

FreshDirect is set apart from other delivery services in many ways for customers.

FreshDirect philanthropy is well documented, and while FreshDirect delivery problems are reported, many customers are still willing to order for convenience alone.

For delivery drivers, the differences are even greater.

While places like DoorDash and Postmates require that drivers use their own vehicles, FreshDirect actually employs fleet vehicles, ensured by a FreshDirect car insurance company.

This can be a big benefit for drivers, as it means less wear and tear on their vehicles and can allow you to maintain lower rates on your personal car insurance.

Do I need special insurance to drive for FreshDirect?

Technically, no. Because FreshDirect provides vehicles for their drivers, if you are driving for FreshDirect, you do not need to buy FreshDirect car insurance.

This means that you don’t need to purchase a separate commercial car insurance policy or spend hours comparing FreshDirect car insurance quotes.

However, many delivery drivers who deliver for FreshDirect or other companies have multiple jobs to make the most out of their time.

If your other job requires you to use your own car to make deliveries, you need to take the time to shop for commercial coverage.

What is the most affordable commercial insurance for delivery drivers?

You want to make the most of your money and never spend more than you have to on car insurance. The easiest way to do that is to look into commercial endorsements or hybrid commercial policies.

An endorsement is essentially an add-on to your personal coverage. This endorsement extends commercial coverage when you are using your car for work.

A hybrid policy acts as both personal and commercial coverage at one time. One example of this type of policy would be the GEICO Rideshare policy.

To learn more about this company, check out our GEICO car insurance review.

Having this type of coverage is a great way to add coverage on top of whatever FreshDreict offers to its drivers and make sure you are ready for any other delivery jobs you may want to take up for extra cash.

Do you want to start looking for affordable FreshDirect car insurance rates? Enter your ZIP code below, and we will help you find additional coverage.

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