Get a TLC Insurance Renewal Estimate in NYC
Your TLC renewal notice arrived and the price went up? Before you pay it, let us shop it. Send us your current policy and we will come back with a renewal estimate from multiple TLC carriers — usually within one business day.
What we need for your TLC renewal estimate
The more complete your details, the more accurate the estimate. Have these ready (a clear phone photo is fine):
- TLC driver license (front)
- NY DMV driver license (front and back)
- Current declarations page — or your renewal offer from your current carrier
- Vehicle registration and TLC vehicle license (plate) number
- Loss runs / claims — if you had an accident in the last 3 years, tell us; it changes pricing
- Base name you are affiliated with
Send them through the TLC quote form, or WhatsApp them to (347) 817-7771.
How your free renewal estimate works
- We review your current policy — coverage, deductible, payment plan and renewal price.
- We shop your renewal with several TLC carriers we work with.
- You get a clear side-by-side — total price, down payment and monthly payments.
- You decide. Stay where you are or move. No pressure and no fee for the estimate.
- If you switch, we bind the new policy to start the day the old one ends and make sure the FH-1 is filed with the TLC.
Compare renewal quotes like for like
A cheaper quote is only cheaper if it covers the same things. When you compare TLC renewal offers, check:
| Check | Why it matters |
|---|---|
| Liability limits | Must meet TLC and New York State minimums or the FH-1 will not be accepted. |
| Physical damage | Is collision/comprehensive included? What is the deductible? |
| Down payment | Some carriers ask for a larger deposit; plan your cash flow. |
| Installments | Number of payments and any installment fees. |
| Start date | Must begin the same day your old policy ends — no gap. |
Want to understand what drives the price? Read how much TLC insurance costs in NYC or our renewal guide.
Frequently asked questions
Is the TLC renewal estimate free?
Yes. There is no charge to review your current policy and compare it with other carriers.
How long does a TLC renewal estimate take?
Usually within one business day once we have your documents. Busy renewal months (November–January) can take a little longer, so send them early.
Can you beat my renewal price?
We cannot promise a lower price for every driver, but we compare multiple TLC carriers so you see whether a better option exists before you renew.
Do I have to switch brokers to get an estimate?
No. You can get an estimate first and decide later. If you switch, we handle the broker change paperwork.
My policy expires in a few days — is it too late?
Call us right away at (347) 817-7771. We will try to bind a new policy before your current one ends so your TLC plate does not lapse.
Sources: NYC TLC – Renew a For-Hire Vehicle License · NYC TLC – Vehicle Insurance. Information current as of October 2026; TLC rules and fees can change.
Get your TLC renewal estimate today.
Send your current policy and we will compare multiple TLC carriers for you — free.