Commercial Auto Prospecting Checklist
Built for Independent Insurance Agents Who Want to Quote Smarter, Not Harder
Why This Checklist Matters
In commercial auto, timing and accuracy are everything. The agent who filters leads best — and gets there first — usually wins.
This checklist distills the exact filters top agents use to turn raw data into high-quality opportunities you actually want to quote.
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Based on real-time FMCSA data
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Optimized for small fleets and trucking policies
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Created by Carrier IQ, the real-time lead intelligence platform built for independents
The Core Checklist: What to Look For
Before you call, quote, or email, check these boxes:
✅ Policy expiration is 30–90 days out
✅ Active carrier with recent DOT activity
✅ Fleet size fits your appetite
✅ Operating in your licensed states
✅ Clean or acceptable safety profile
Red Flags
Avoid chasing these. They rarely convert:
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Recently bound with a new insurer
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No valid contact info (email or phone)
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Outdated DOT records or inactive filings
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Major safety violations or alerts
Triggers That Mean “Act Now”
When you see one of these, move fast:
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Newly registered DOT (last 7 days)
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Mid-term policy cancellation
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Carrier recently switched insurers
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Recent crash, violation, or inspection
Power Filters Used by Top Agents
These combinations consistently drive high quote-to-bind ratios:
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Expiring in 60 days + BIPD ≥ $1M + 5–20 power units
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New DOT + General Freight + In your home state
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Mid-term cancel + Satisfactory rating + Email address present
Carrier IQ makes it easy to filter for these in seconds — no spreadsheets, no guesswork.
Pro Tips from the Field
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“Always start with expiring policies 60 days out. That’s the quoting sweet spot.”
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“Reinstated authorities bind quickly. Don’t ignore them.”
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“Cargo type + safety profile tells you more than fleet size alone.”
Independent Agent in GA
“I used to waste an hour a day sorting through junk leads. Carrier IQ helped me zero in on the policies I actually wanted to quote.”
Want to See It in Action?
Watch our 4-minute demo to see how independent agents use Carrier IQ to filter by expiration dates, fleet size, safety score, and more—in real time.
Built for U.S. Based Agents Quoting Across the Country
Whether you write policies in California, Texas, Florida, or nationwide, this checklist will help you prioritize leads based on your state licenses and underwriting appetite.
