Panera Bread Car Insurance: Discounts, Rates, & Requirements (2021)

Delivery drivers need to maintain Panera Bread car insurance when driving delivery. Panera Bread does not provide car insurance for its delivery drivers. Instead, drivers will need to get a Panera Bread car insurance quote for commercial insurance. The most affordable option for delivery drivers is an endorsement for a personal policy, the second option is to purchase a hybrid policy.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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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Here's What You Need to Know

  • Panera does not offer Panera Bread car insurance to its delivery drivers
  • Delivery drivers need to purchase commercial car insurance to remain covered while at work
  • The most affordable forms of commercial insurance are endorsements and hybrid policies

Panera Bread delivery drivers need Panera Bread car insurance, but how can you get it? Keep reading to learn what type of car insurance is required for delivery drivers and how you can find cheap car insurance.

Are you ready to start looking for affordable Panera Bread car insurance rates? Enter your ZIP code above, and we will help you start your search today.

Does Panera deliver?

Panera Bread does deliver. The company partners with numerous third-party delivery services like GrubHub and DoorDash to get food delivered to customers all over the U.S.

However, except for Uber Eats, none of these delivery companies actually provide delivery insurance to their drivers.

That means that if you are working for DoorDash, you will need to look for a separate Panera Bread car insurance company to purchase insurance to keep you protected.

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What kind of insurance do I need to deliver for Panera Bread?

Delivery drivers need to have commercial car insurance to remain covered while using their car for work. There are three main ways to purchase commercial coverage;

  • Endorsement on a personal policy
  • Hybrid policy
  • Separate commercial policy

If you choose to accept a delivery job without purchasing one of these types of coverage, you are essentially driving uninsured if you get into an accident while on the clock, your personal car insurance will reject your claim.

How can I buy the most affordable Panera Bread car insurance policy?

Most delivery drivers are trying to make extra money by delivering for places like DoorDash, making Panera Bread car insurance cost the most important factor.

The most affordable way to get commercial coverage for your car is to get an endorsement on your personal car insurance policy.

These endorsements are affordable, generally less than $10, and don’t require you to buy Panera Bread car insurance from scratch.

However, not every company offers these types of endorsements. If your current provider doesn’t provide one, you may want to start searching for a company that does.

If an endorsement is not available, your next most affordable option is to get a Panera Bread car insurance quote for a hybrid policy, like the Rideshare policy offered by GEICO.

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

This is insurance that has both commercial and personal coverage all in one policy. Like commercial endorsements, these policies are not available everywhere or offered by every company.

The least affordable option is to purchase a commercial car insurance policy on top of your personal one. This means you will be paying two bills every month.

According to the Insurance Information Institute, regardless of which type of coverage you purchase, shopping around for your policy is a must.

Car insurance companies are very competitive and also weigh different aspects of your driving differently. This means that the more quotes you get before you decide to buy, the more likely you will find the best price.

Are you ready to start comparing Panera Bread car insurance quotes? Enter your ZIP code below, and we will help you get started.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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