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Affordable Commercial Fleet Auto Insurance Policies: Little Known Tips to Help You Save
When running a business with a fleet of vehicles, it is essential to have the right auto insurance policy in place. Not only does it protect your vehicles, but it also protects your business and employees. Unfortunately, commercial fleet auto insurance policies can be expensive, but there are a few little known tips that can help you save money.
Regarding affordable commercial fleet auto insurance policies, it is important to shop around and compare different plans from different insurance companies. Each company offers different coverage options, so it is important to compare the premiums and coverage so you can get the best deal. Additionally, you should consider bundling policies with the same company, as this can help you save money on your overall insurance premium. Our commercial insurance agency can assist with all of your commercial auto insurance needs.
Another way to save on commercial fleet auto insurance is to increase the deductible. Increasing the deductible means that you will have to pay more out-of-pocket if you need to make a claim, but it can also significantly reduce your monthly premium. It is important to consider the type of vehicles you have and the potential risk of claims before making this decision.
If you are running a business with a fleet of vehicles, it is essential to have a safe driving policy in place. This policy should include rules such as no drinking and driving, no texting while driving, and other safety measures to ensure that drivers are adhering to the law. By having a safe driving policy in place, you can simply help reduce the risk of claims and could potentially qualify for lower premiums.
In addition to a safe driving policy, you should also consider implementing a telematics program. This is a system which tracks the speed, location, and other data of your vehicles. This system helps to reduce the risk of claims, as it allows you to monitor the drivers and ensure that they are driving safely. As a result, many insurance companies offer discounts for businesses that utilize a telematics program.
Finally, you should consider increasing your fleet’s security measures. This could include installing GPS trackers and cameras, as well as adding additional safety features such as anti-theft systems. These measures can help to reduce the risk of theft and vandalism and could potentially qualify you for discounts with certain insurance companies.
These are just a few of the little known tips to help you save on commercial fleet auto insurance policies. It is important to shop around and compare different policies from different companies, as well as to consider increasing your deductible, implementing a safe driving policy, utilizing a telematics program, and increasing security measures. By following these tips, you can help to reduce the cost of your commercial fleet auto insurance policy and ensure that you and your business are adequately protected.
WHAT FACTORS AFFECT THE COST OF YOUR COMMERCIAL FLEET INSURANCE PREMIUMS ?
• Type of vehicle. Premiums are simply linked to the type of vehicle you drive. So if you’re buying or leasing a new car or truck, check the insurance rates before you make your final choice.
• Safety devices. If you’re buying or leasing a new vehicle, consider getting one with anti-lock brakes, front and side airbags, automatic seat belts and daytime running lights; these safety devices may result in a lower premium.
• Anti-theft devices. Alarm systems or tracking systems that locate your vehicle if stolen may reduce your premium.
• Garage location. Where you garage your vehicle may impact premiums. If you have access to an indoor garage or locked parking lot—places that decrease the likelihood of theft—you may qualify for a lower premium.
• Geographic location. The geographic region in which your business operates may affect your premium. For example, areas prone to extreme weather—hail, wind storms, hurricanes, etc.—higher traffic patterns or higher risk of theft may have higher insurance rates.
• Driving and claims history. Your personal driving record and the number of claims you have previously filed may affect your ability to obtain insurance in the private market and may impact the amount of your premium.
• Amount of coverage. The coverage limits you choose may affect the premium; the higher the coverage amount, the higher your premium. If you’re using your vehicle to conduct business, you may want to consider a higher liability limit so that the coverage will be sufficient to protect both your business and personal assets if you are sued due to an accident.
• Selection of deductible. The cost of your insurance is directly linked to the amount of your deductible. The deductible is the amount of money that you agree to pay for a loss or claim before your insurer pays any monies for the remaining amount due to cover the cost of
the claim. For example, if your vehicle incurred $1,000 of damage in an accident and your deductible is $250, you would pay the first $250 and your insurer would pay the remaining $750. The higher your deductible, the lower your premium.
• Insurance history. Failing to maintain continuous automobile liability insurance coverage as required by law can result in a higher premium when new coverage is sought. An insurer may also refuse to provide coverage if you have had a lapse in coverage.
As a responsible business owner, you should possibly consider purchasing limits that are higher than the typical minimum limits required by law.
Also, if you carry passengers or property for a charge (or even in some cases transport your own property), you may be subject to state laws or U.S. motor carrier laws. If so, you will be required to carry more than these minimum limits of liability. You should check with your insurance agency or broker to determine what types of coverage you need to operate commercial vehicles.
You should also contact your city, county, and other state government agencies as well as the U.S. Department of Transportation and the Interstate Commerce Commission to check for any other insurance requirements.
Most businesses are eligible for the Business Auto Insurance Fleet Policy.
However, certain auto-related businesses such as auto dealers, service stations, and trucking firms are not eligible for this policy. Garage policies, dump trucks and semi type of trucker’s policies are available to meet the insurance needs of these types of businesses. Ask your insurance agency which policy is best suited to your business.
Benefits of Simply Comparing Commercial Fleet Auto Insurance Quotes
There are several key benefits to comparing commercial auto insurance quotes. First, it allows you to find the best coverage for the best rate. Shopping around can help you find the policy that offers the coverage you need at a price you can afford.
Second, allowing us to compare quotes can help you save money. Many providers offer discounts for bundling policies or for customers who have multiple policies. Shopping around can help you take advantage of these discounts and save money on your premiums.
Finally, comparing quotes can help you get the most comprehensive coverage. Different providers offer different levels of coverage, so it’s important to compare quotes to make sure you’re getting the best protection for your business. We have some of the best commercial truck insurance for new drivers.
Fleet owners can visit the NAFA for additional fleet management services.