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Commercial Auto Insurance Quotes
If you own or use vehicles for business purposes, a strong commercial auto insurance policy is a must. In order to protect yourself and your business, you need to make an educated decision about your policy; never purchase one blindly.
In order to get the best policy at the best price, you must do some comparison-shopping. The best way to do this is by getting multiple commercial auto insurance quotes.
Where to Get Quotes
The good news for shoppers is commercial auto insurance quotes are readily available.
One way to get quotes is by directly contacting commercial auto insurance agents. You can do this by either calling or visiting them at their offices.
Perhaps the simplest way to get commercial auto insurance quotes is by utilizing the Internet. Many car insurance companies offer online quotes to help make your shopping easier.
What You Will Need
In order to get a quote from a commercial insurance provider, you will be asked for several pieces of information. Such information includes:
- Company name.
- Company owner’s name.
- Information of vehicles you want on the policy including:
- Information of drivers you want on the policy including:
- Driver’s license number.
- Length of time your company has been in business.
- Current commercial auto insurance status.
- Current worker’s compensation insurance status.
If you do not have all this information, you may still be able to get a commercial auto insurance quote. However, your chances of getting an accurate quote increase as you give more information.
Read below to learn more about how some of this information is used to get you a quote.
Providing a commercial auto insurance company with your vehicle information helps them get insight into factors that go into determining your premium, such as:
- Vehicle safety rating.
- Age of vehicle.
- Vehicle history.
These factors help insurance companies determine how much risk they stand to take on by providing you with coverage.
The lower the risk associated with your vehicle, the higher the savings you will get on your commercial auto insurance premium.
Driving history is one of the biggest factors in determining car insurance rates. By providing the driver’s license numbers of all drivers you intend to have on your policy, you are giving the insurance company the information they need to check your drivers’ records.
Remember, the same principle applies: lower risk presented by your drivers equals higher savings for you.
Tips for Getting Quotes
Perhaps the most important thing to remember when obtaining commercial auto insurance quotes is to get more than one. Your best bet at getting an optimal policy at a great price is by comparing at least 3 different quotes.
Also keep in mind that savings are not everything. When you consider that your commercial auto insurance is one of many safeguards meant to protect your business, it becomes clear that outstanding coverage is absolutely essential.
After you have compared quotes, work closely with your commercial insurance agents to make sure you get everything you want from your policy.