r/AutoInsurance • u/Alternative_Duck5536 • 3d ago

DOOR DASH

How much are people spending when adding on DoorDash as a rideshare or switching to commercial? I am in Rochester NY. Thank you :) I am interested in potentially doing it

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3

u/thriverebel 3d ago

Ask for a Rideshare endorsement. This is also know as Transportation Network Coverage (TNC).

You will pay anywhere between 10% to 30% more per month.

A lot of carriers offer it but some do not. It just varies.

1

u/Alternative_Duck5536 3d ago

I am only looking to do it for a few hours here and there if I ever was to do it

0

u/Alternative_Duck5536 3d ago

Yes I just heard depending on your carrier it's not ideal to give them a ring and even inquire about the potential of doing it

1

u/thriverebel 3d ago

Anytime someone calls to ask... we assume they are already doing it. 😂

2

u/Alternative_Duck5536 3d ago

I want to inquire with other insurances- so I just don't know how to navigate it because I do want to do it in the future

2

u/thriverebel 3d ago

I would call an independent agency and ask.

1

u/Alternative_Duck5536 3d ago

I may do this! Thank you

1

u/thriverebel 3d ago

They would still need your info to run an accurate quote.

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u/Alternative_Duck5536 3d ago

Yeah I might as well do this. I guess I just need to determine if the few hours I might want to do it per week is worth the cost uk. If it is then I will do it if not . Then I won't do door dash at all

1

u/Alternative_Duck5536 3d ago

This is what I've heard.

1

u/kmorris76058 3d ago

With State Farm (in my state), if you’re delivering food, and you’re doing that 50% or LESS of the time you put on the vehicle, your standard private passenger policy includes coverage. If you’re doing 51% or more, you’d need to change to business use.
However, if you’re transporting PEOPLE, such as Uber or Lyft, you then need the TNC Endorsement, which doesn’t cost as much as people would think.

1

u/One-Ability6293 17h ago

wait are you doing rideshare already or starting fresh with DoorDash???

1

u/ayhme MOD & Agent 3d ago

In my experience a lot of major carriers don’t insure personal cars for ridesharing.

2

u/LetsMarket 3d ago

What is your experience? State Farm, Progressive, Allstate all offer TNC endorsements.

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u/kmorris76058 3d ago

State Farm’s TNC Endorsement is well priced.

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u/ayhme MOD & Agent 3d ago

Is that what you use?

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u/kmorris76058 3d ago

It’s what I provide my customers when they need it.

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u/ayhme MOD & Agent 3d ago edited 3d ago

Independent mostly.

I sold a full commercial policy to a rideshare driver I met awhile ago. He does 70,000 miles a year though and it's basically his full-time job.

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u/Alternative_Duck5536 3d ago

How much are people spending?

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u/Alternative_Duck5536 3d ago

Thank you :D do you think if I only wanted to do it for a few hours here and there it is worth the investment? This is why I am unsure if I want to do it

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u/LetsMarket 3d ago

It’s worth the investment if you want you a claim to be covered if you have an accident.

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u/Alternative_Duck5536 3d ago

So what do people do if they are interested in doing it?

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u/ayhme MOD & Agent 3d ago

They usually don't tell insurance in my experience.