UPDATED: Sep 8, 2021
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What You Should Know
- Panera Bread auto insurance is not offered to the company’s delivery drivers
- Panera Bread auto insurance is $273.08/mo with Progressive
- If you’re in an accident while driving for Panera Bread without proper coverage, your auto insurance provider may deny your claim
Does Panera deliver? Panera Bread delivers at participating locations across the United States, which means that Panera Bread auto insurance is a necessity for the company’s drivers delivering.
Because Panera Bread auto insurance is not offered by the company, you need to make sure you have the right type of coverage if you are involved in an accident while on the clock.
While delivery vehicle insurance requirements are sometimes vague, it is helpful to compare Panera Bread auto insurance rates to figure out the best deal for your circumstances. In understanding auto insurance for delivery drivers, you will save tons of money in the long run.
Keep reading to find out more about Panera Bread auto insurance, and find the cheapest delivery driver insurance options for you by entering your ZIP code in our free comparison tool.
Will my personal insurance cover me when delivering for Panera Bread?
Usually, a personal insurance policy alone will not cover a delivery driver in an on-the-job accident. This is especially the case for drivers using their personal vehicles, while drivers with company vehicles are usually covered by the franchise.
The main reason for this is that a personal insurance policy is for personal use only. As soon as you use your car for commercial purposes, such as delivering food, your personal policy ceases to provide any protection.
Without the right coverage, you may be driving uninsured any time you clock in to deliver. As an uninsured driver, you will have to pay all the costs out of pocket if you cause an accident.
Some of the expenses following an uninsured accident include repairs to your vehicle, medical bills, and even the expenses of accident lawyers that you may need to employ. All of these factors combined can easily cost you thousands of dollars.
Not only will you face all of the expenses of an uninsured accident, but your insurance company may deny your claim as well. Panera Bread is not liable for an accident you may have while driving, especially if you are uninsured.
Also, the company will usually not pay for your accident unless you choose to sue.
For those who doubt the likelihood of an on-the-job accident, the CDC found that car accidents are among the leading causes of injuries in the United States. Since car crashes are so common, it is critical to make sure you are fully covered to avoid an expensive mistake.
To find the most affordable Panera Bread auto insurance policy, we recommend talking through all of your options with an insurance agent.
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Is there special Panera Bread auto insurance?
As stated above, Panera Bread auto insurance is currently unavailable to the company’s delivery drivers. However, there are plenty of additional Panera Bread auto insurance options available.
Because a personal auto insurance policy does not cover a vehicle used for commercial or business purposes, providers frequently recommend that delivery drivers invest in commercial auto insurance.
Commercial insurance, also understood as business insurance, protects anyone using their car for work purposes, such as delivery drivers.
If you choose to buy a commercial auto insurance policy, know that it will be separate from your personal one, which also means a separate monthly bill. Separate bills can be pricey depending on your current provider’s auto insurance rates.
A less-expensive Panera Bread auto insurance option is to look into add-ons for your current policy. Many auto insurance companies offer rideshare add-ons for personal insurance policies, which are designed for food delivery drivers and those who drive for companies like Lyft and Uber.
An add-on policy initiates when you are on the clock, and it can be a more affordable alternative to buying a separate policy. You may also choose a temporary auto insurance policy until you know whether your current policy will cover you or not.
Another option is a unique type of hybrid policy offered through GEICO commercial auto insurance, called the Rideshare policy.
This policy acts as both personal and commercial coverage, meaning neither separate policy nor add-on is required to make your personal insurance a food delivery insurance policy.
Some businesses opt for hired and non-owned auto insurance for delivery drivers. A hired and non-owned auto insurance policy extends the liability on a commercial policy to cover a vehicle owned by an employee for occasional use.
Even with all of these options, the best way to buy Panera Bread auto insurance is to shop around and compare multiple quotes from different companies.
Comparing rates helps you find the best auto insurance companies for you.
How much does Panera Bread auto insurance cost?
Average rates are a challenge to define because auto insurance rates differ depending on the driver and the auto insurance company. If you can get an add-on to your existing policy, food delivery and Panera Bread auto insurance rates decrease considerably.
Although add-ons are much more affordable than purchasing a new policy, they are not available through every provider. If they are not offered in your area, you may have no other choice but to look for the most cost-effective auto insurance policy available.
With that in mind, look at the following table for an idea of what you may pay for personal and food delivery auto insurance rates with Progressive.
Even though Panera Bread auto insurance does not exist, you can still get coverage through most auto insurance companies as a commercial or temporary policy. Regardless of which policy is available, it is essential to avoid delivering for Panera Bread or any other service without the right coverage.
To minimize your Panera Bread auto insurance costs, talk through all of your options with an insurance agent.
Panera Bread Auto Insurance: The Bottom Line
Although Panera Bread and most other food delivery organizations do not offer auto insurance coverage to their delivery drivers, there are a few available options.
Even though there is not a specific Panera Bread auto insurance company, almost all auto insurance companies offer a commercial/business policy or another coverage option from which Panera Bread delivery drivers may choose.
To be sure of proper coverage, delivery drivers may choose to add a policy to their current one, switch to a commercial auto insurance policy, or apply for temporary auto insurance.
It is important to know that changing your current auto insurance policy may result in a new quote or new rates as a reflection of added risk.
The best way to save on Panera Bread auto insurance is to reach out to your current auto insurance provider to see if your personal policy is one of the few that will protect you while delivering.
It is also useful to compare Panera Bread auto insurance quotes before purchasing a new policy.
Not yet ready to buy Panera Bread auto insurance? Enter your ZIP code into our free online tool for instant food delivery auto insurance rates in your area.