Commercial Auto Insurance Quotes – Coverage For More Than Your Personal Vehicle

Receiving commercial auto insurance quotes is a simple, fast, easy, and free process. It is a smart idea to receive competing commercial auto insurance quotes in order to ensure yourself that you are receiving the best quote out there. Auto insurance varies on a case by case basis. Receiving pertinent commercial auto insurance quotes is best accomplished by taking the time to fill out a few online forms that are targeted at your specific wants and needs.

Commercial auto insurance information can be provided by a number of online based companies that specialize in providing competing quotes. Getting competing quotes via an online medium is important because the fact that the insurance companies are competing for your business usually will help to drive down the overall price and help to make the policy much more affordable.

Finding one of these online based companies is simple. Just search around until you find one that will offer competing quotes for free based on your location. In general, you will just have to enter your zip code in order to be linked up with companies in your area that will compete for your business. Once you receive your commercial car insurance quotes be sure to carefully compare them. Identify the strengths and weaknesses of each before choosing a provider.

Finding the best commercial car insurance information will give you peace of mind that you received the best deal for your situation. Anytime there is a situation where companies are competing for your business you are sure to get a more than reasonable price quote. Locating the best place to receive commercial vehicle insurance quotes can potentially save you hundreds of dollars.

Commercial Car Insurance Advice For 2011

Needing commercial car insurance is a question which small business owners face all the time. Do I need it or can I just continue with my normal coverage? The answer is yes, you do need it for your business car.

Commercial insurance protects a small business owner when it comes to accidents. It protects their business as well. Legally speaking, some personal insurance companies will not cover your business vehicle. The difference between a business vehicle and a personal vehicle is its purpose. Commercial vehicles are only used for traveling related to work, which really means travel to and from work as well as job related travel.

Commercial car insurance rates are usually lower than personal car insurance and it also covers any driver related to the company. This means that the car can be used by any employee of the company on this company policy.

To find the best rates on commercial insurance, it is best to compare car insurance company’s quotes. You can get this simply by entering the model, year, and make of your company’s car into most auto insurance websites. Comparing quotes will allow your company to select the best quote as well as the best coverage for what you need. (see each state’s laws for more information on insurance requirements for commercial vehicles.)

These simple steps will help your small business, or large business, grow and flourish with the best car insurance possible. The three things to keep in mind is that as a small business owner you are better protecting your business as well as yourself from third party claims, you can lower your rates by adding on more than one company car to this insurance policy, and that insurance rate quotes are fast and simple to find online.

Why Get Commercial Car Insurance?

If you use your car for commercial purposes, such as making deliveries for your small home business or visiting contacts, then you need to buy commercial car insurance for your car. Personal auto insurance policies may deny coverage if the car is used for commercial purposes, as they generally cover only the regular daily use of the vehicle (i.e. traveling to and from work and trips for leisure purposes). This exposes the small-business owner to serious financial losses if the car is involved in an accident.

Commercial car insurance, such as traditional auto insurance, covers the repair or replacement of a vehicle damaged in an accident and shoulders the cost of any claims for injury or property damage filed by third parties. There are three kinds of coverage available: private and sporadic business use, which covers the intermittent use of the car for commercial purposes as long as the car is not registered for business purposes and does not represent an important part of your business income; private and business use, which covers customary use of the vehicle for commercial purposes by the regular driver or any named driver; and commercial coverage, which provides coverage where the named driver uses their personal vehicle as part of their work. You have to apply for the particular type of cover that you need. If your staff also use their personal cars in their work, you should also take out “non-owned auto” policies; this provides coverage whenever a business uses a vehicle that is not in their name, including the business owner’s personal car.

The simplest way to get commercial car insurance quotes is from the insurer’s official site. Make sure to prepare all the required information, such as the license number of each named driver and their driving history, vehicle identification number and make and model of each car to be covered. Make sure to get quotes from at least three insurance providers to be able to evaluate rates and other features and ensure you get the best value for your money.

There are several ways you can save money on your commercial car insurance. If your regular insurer carries this type of insurance, you might be able to get a discount by taking out several types of insurance from him, i.e. by buying homeowner’s insurance and a commercial vehicle policy. Some insurers might also let you to add commercial coverage to your regular car insurance as a rider whenever you need it.

You can get discounts on your insurance through the usual methods, such as making sure that the vehicles have safety features such as automatic seat belts as well as anti-theft devices such as car alarms and locking devices for the steering wheel and always parking the car in well-guarded parking lots and other safe places. If you are still in the process of buying a car, then you should consider buying a make and model of vehicle that will not be charged high premiums by insurers. You can research this by asking for a commercial car insurance quote using the model of car you intend to purchase.