Car Insurance Page 1

How To Find

The Right Commercial

Auto Insurance Policy

Car Insurance Page 2

Whether you have a large fleet or using a personal vehicle for business purposes,

you will likely have to get a commercial car insurance policy to give you and your

business financial protection against road accidents, theft, vandalism, and car

damage due to reasons other than a crash. Below are a few answers to frequently

asked questions about this kind of car insurance.

I am a sole proprietor of my

business and only have one car, do I

need commercial auto insurance?

A personal car insurance policy may

be adequate in such instances. That

is, if you utilize your car occasionally

for business purposes. However, if

you use it often for business trips and activities, getting a commercial car

insurance policy is a wise choice. You also need commercial car insurance policy if

your car is operated by somebody other than yourself, a manager or another

worker, for example.

How can I get low cost auto insurance for commercial vehicles?

Commercial auto insurance premiums can be lowered by hiring competent drivers

with safe driving records, selecting vehicles that insurance companies regard as

not as risky to insure, setting up safety and anti-theft devices, and by committing

to pay larger deductibles.

The location where your business is at may also affect your car insurance costs.

For instance, if vandalism and theft are widespread, or earthquakes and flooding

Car Insurance Page 3

occur often in your area, you may be required to pay higher premiums. Your

insurance firm can advise you on what steps you can employ so you can bring

your premiums down. For instance, if theft is a problem in your town, having a

secure parking space can help you obtain more affordable premiums.

What other variables will affect commercial car insurance premiums?

The usage of the cars and the distance that these vehicles will usually travel will

also be considered. Cars which are frequently going to be in heavy traffic, long

trips, or coursing by high crime areas often

demand higher premiums than those

traveling short trips.

What other coverage issues should I be

mindful of?

Do not forget that commercial automobile insurance policies will only provide

financial protection against physical damage to the car, but not the things

transported inside it. What this means is that if you are carrying valuable supplies,

you need to get additional coverage for such. If you are transporting products to a

different state, there are specific government requirements that should be met.

Tips on getting the best commercial auto insurance policy

Compare rates from multiple insurers before committing to a particular provider.

When going over your insurance requirements with an insurance agent, be sure

to be honest by not downplaying the specifics of your car usage. If you're not

covered sufficiently, you will end up paying considerably more over the long haul.