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How to Obtain Affordable Business Auto Insurance

You need to consider many factors if you want to pay less for your business auto insurance. The rate you end up paying depends on your driving record, the particular insurance provider you end up selecting and the type of vehicle you drive. By reviewing the following tips, you can save more when you purchase business auto insurance.

Compare Prices at Various Insurance Providers for Business Auto Insurance

The fact that most insurance companies currently provide their rates and insurance details online makes it much easier to obtain rate quotes from different insurance providers. According to the Insurance Information Institute, you should obtain a minimum of three quotes before deciding who to choose for your business auto insurance.

You can phone or email an insurance company or obtain an online auto insurance quote from a company’s website. Your state insurance department may even provide helpful charts that compare auto insurance from various providers. Remember to look at different types of insurance providers when you are comparing rates. Certain companies sell insurance via independent agents who provide policies from different insurance companies, whereas others use their own agents to sell auto insurance policies. Nowadays, you can even purchase business auto insurance via the telephone or online.

However, you need to consider more than merely the price of business auto insurance. You want to deal with a reliable and affordable insurance company that is willing to answer any of your questions quickly and honestly. You also need to find an insurance company that will be able to handle any possible claims fairly and promptly. Don’t forget to ask your family and friends about insurance companies they use or consult reviews in consumer magazines. Another option when you are comparing rate quotes is to consult your state insurance department to obtain consumer complaint ratios for any prospective insurance providers.

Review Insurance Rates Before You Purchase Your Vehicle

Most people tend to investigate their insurance rates after they buy their car. However, the rate of your business auto insurance will vary greatly depending on your make and model of vehicle. Insurance providers factor in repair costs, the possibility of theft, sticker price and overall safety record when they determine rates for auto insurance. Therefore, you may end up saving a lot of money on business auto insurance if you purchase a vehicle that offers a high safety record and low theft rate.

Choose One Insurance Provider for your Auto & Home Insurance

Many insurance companies will offer you a discount for purchasing more than one type of insurance; this is called a multi-policy discount, and it can save you a lot of money every year. You can also save money if you insure multiple vehicles with the same insurance provider. Last but not least, many insurance companies offer lower premiums for long-term customers.

Investigate Safe Driver & Low Mileage Discounts

Many insurance companies offer customers a low-mileage discount if the number of annual miles they drive is lower than average. Choosing to carpool may be one option to help you achieve the low-mileage discount. Remember to inquire about any safe driver discounts. Insurance providers will usually reward drivers who have not suffered any moving violations or accidents within a certain timeframe with lower rates. Completing a defensive driving course may also earn you a lower price for your business auto insurance.

Ask your employer if they cover any business auto insurance. You may also be a member of a business association or professional group that is willing to cover all or part of your business auto insurance premiums. Take note that your credit rating also affects the rate you end up paying for auto insurance. Therefore, be sure to monitor your rating closely and review your credit report each year to ensure the document contains no errors.

Choose a Higher Deductible for your Business Auto Insurance

Another way to reduce the price of your business auto insurance is to request a higher deductible. In fact, you can end up saving as much as 15-30 percent on your comprehensive and collision coverage by increasing your deductible from $200 to $500. Further increasing your deductible to $1,000 can save you as much as 40 percent or even higher! If you’re able to afford the higher deductible if you do end up having to file a claim, you can save a lot each year.


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