What To Consider When Shopping for Commercial Auto Business Insurance

Whether your company uses one vehicle, or many, you will want to have an in depth commercial auto business insurance plan.  Connect with a business insurance professional to get started but before you do, consider the following subjects.

The Number of Vehicles and Drivers

One thing that is sometimes offered to companies looking for commercial business insurance is fleet coverage.  While the number of separate coverage options varies, those who opt for fleet coverage can save money when they qualify as opposed to having to insure each vehicle separately.

Personal Auto or Commercial Use

Personal auto insurance excludes coverage for commercial uses of a vehicle.  By getting coverage with a commercial plan you can avoid the risk of not being covered in the event of an accident.  It’s recommended you speak with your professional insurance agent to find out what plan works best for you.

Premium Costs

There are a number of ways you can lower your insurance premiums when determining which commercial auto business insurance is right for your company.  The first factor is business location.  Depending on where you store your vehicles, you might end up paying more or less.  Driver records are also a factor when considering premium costs.  By hiring drivers with safe driving records you will be eligible for lower rates.  The third thing you can do to keep premiums down is to drive five star safety rated, domestic, mid-sized sedans, rather than lavish sports cars.  Lastly, look into anti-theft and safety devices such as alarms, airbags, and seat belts.

There are many other things to consider when deciding on a commercial auto business insurance plan. This article just scratches the surface, outlining some of the basics to get you started.  If you have any other questions please don’t hesitate to contact one of our insurance professionals today.


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