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| Commercial Car Insurance |
Getting commercial auto insurance for your company's business is an important part of your business. Every car or vehicle used for business is required by law to be commercially insured. If your business owns or uses one or more vehicles, you are required by law to have commercial auto insurance for you, your employees, your vehicle and any other party that may be involved in an accident during working hours. You'll want to have your insurance agent close at hand when you accept a commercial auto insurance quote because there are lots of questions and lots of determining factors, and they are listed below.
• Driving record history of every employee or driver in your business. Must have a good clean record.
• Type of Vehicle you wish to insure. If you have a luxury car, of course your premium will be higher. If you have a domestic vehicle then this is more affordable.
• If your vehicle has safety features such as airbags and seat belts this will help. Or if you have a built-in alarm or vehicle tracking device, this will definitely reduce your premium.
• Another minor factor is the location of your business. If you're in a place where a lot of cars are stolen, this can increase your premium.
If you own multiple vehicles and have employees for your business, there is an option called fleet insurance that will reduce your premium costs. It is more affordable because it is not determined individually, per vehicle policy.
If your business owns a pick-up truck, tow truck, van, bus or trailer, you will be covered with commercial auto insurance. If you own a taxi and transport people for a fee, or have a delivery to a restaurant, there are different types of Commercial Auto Insurance. If you are carrying cargo, or shipping goods from one state to another, you must notify your insurance agent, as you will need additional insurance. Additional insurance can mean purchasing Comprehensive Insurance, Collision Liability, Med Payouts, or auto liability. It is important to explain exactly how your business operates vehicles, to ensure you are insured.
Every vehicle registered with a company, commercial auto insurance is a requirement for proper coverage. Be sure to speak with your agent today to receive the right insurance quote. You can also search online at www.autoinsurancequotes.net for affordable qualifying coverage.
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