Do You Need Commercial Auto Insurance?
If you use your car for business-related purposes, you should have basic commercial auto insurance.
If you have commercial auto insurance, then you will be covered if you have an accident while using your car for business. Vehicles involved in an accident while engaged in company business may not be covered by your personal auto insurance policy. Plus, if you have insured your car under your personal auto policy but are using it for business purposes you could even be charged with misrepresentation.
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InsuranceTracker - Save Money on Commercial Auto Insurance.
InsureMe - Auto insurance quotes. Fill out a single short form and receive a free auto insurance quote from multiple agents.
Unitrin Direct - Unitrin Direct believes that responsible drivers deserve premium auto insurance at the most competitive rates available. We are the auto insurance company with the right blend of savings, service, and reliability. In short, we are simply the right choice. Serving AZ, CA, CO, CT, FL, IL, IN, MD, MI, MO, NV, NY, OH, OR, PA, TX, VA, and WI.
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How to save money on your commercial auto insurance:
- Just like your personal auto insurance, you can lower your premiums by increasing your deductible.
- Search for the best value, not just the best price. Select an insurer with an excellent financial rating, who can be trusted to pay its claims, graded "A" to "AAA" by A.M. Best, Standard & Poor's, or Moody's.
- Hire and retain employees with "clean" driving records (no tickets or accidents).
- Enroll yourself and employees in defensive driving courses to potentially lower premiums. Visit www.nsc.org.
- Consider reinsuring out-of-state employees. Insurer coverage can differ from state to state, reducing your coverage if your state happens to offer cheaper commercial auto insurance.
- Find a commercial auto carrier that offers multiple vehicle discounts.
- Find a carrier that offers discounts for installing anti-theft devices and/or taking drivers education classes.
- Compare prices online! Similar policies from different carriers can vary wildly in price. Use the Internet to compare commercial auto insurance policies and request online commercial auto insurance quotes.
Commercial Auto Insurance details
- Commercial auto insurance can provide coverage from just one driver to a fleet of cars, trucks and drivers.
- Commercial auto insurance will protect your business against potentially devastating liability costs resulting from an accident involving your vehicles and/or your drivers. The insurance can also cover loss or damage to your vehicles, cargo, and damage to other property.
- Commercial auto insurance is usually offered in conjunction with general liability coverage. Depending on your business your coverage will likely include:
- Bodily Injury liability covers injuries to another motorist, including medical fees and lost wages.
- Property Damage Liability covers damage to third-party vehicles and property.
- Physical Damage (also known as "Comprehensive and Collision") covers damage to your vehicle, regardless of fault.
- Medical Payments covers your medical expenses, regardless of fault, due to an accident. There are usually set limits to the amount of expenses.
- Uninsured and Underinsured Motorists covers losses and expenses from accidents with uninsured or underinsured drivers.
- Motor Truck Cargo covers damaged or stolen vehicle cargo.
- Some insurers do not offer commercial auto insurance for specific businesses or transport of particular materials. Examples include any emergency vehicle or vehicle transporting radioactive materials.
Request commercial auto insurance quotes today and compare them to find the best deal for your car or fleet.
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InsuranceTracker - Save Money on Commercial Auto Insurance.
InsureMe - Auto insurance quotes. Fill out a single short form and receive a free auto insurance quote from multiple agents.
Unitrin Direct - Unitrin Direct believes that responsible drivers deserve premium auto insurance at the most competitive rates available. We are the auto insurance company with the right blend of savings, service, and reliability. In short, we are simply the right choice. Serving AZ, CA, CO, CT, FL, IL, IN, MD, MI, MO, NV, NY, OH, OR, PA, TX, VA, and WI.
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