Find Commercial Car Insurance Rates Online

If any of the driving you do in a day is for work related purposes, you most likely need to purchase commercial car insurance. Depending on your situation, this may be something you purchase personally, or it may be provided through your company. If you are uncertain whether or not you do need this kind of insurance, the help you need is as close as your computer. With most insurance companies you can receive online quotes and information quickly and easily. When you are shopping for insurance online, be certain to have all the details of your daily driving available.

One of the first questions an agent will ask you is whether or not you drive your car for personal use only, or use it for work related driving. You want to answer this question accurately to ensure that you’re covered in the event of an accident. If you carry only personal insurance and you have an accident while driving for business purposes, you may find your insurance company refusing to accept your claim.

In order to find the best commercial car insurance quote online, you will also need to provide details of your business to the agent. For example, you will need to provide details such as who will be driving your vehicle, how often they will drive it, and for what purpose.

You can expect the rates for commercial vehicle insurance to be significantly higher than personal vehicle insurance but keep in mind how valuable it is to your business. You have worked hard to build your business and the last thing you want is for an accident claim to ruin it. Your commercial motor insurance will provide adequate coverage to prevent this from happening.

Shopping for commercial car insurance online allows you to obtain multiple quotes so you can compare rates and get the best deal available for your specific needs.

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.

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.