Just like in your normal life, your company's vehicle or vehicles needs to have commercial auto insurance. That said, many times people overspend on their commercial auto policy because they fail to do and realize some simple facts.
First of all, even if you operate a home-based business, if you're using your personal vehicle for commercial reasons then you need a commercial insurance policy. In the event he has an accident while operating your home business, you could be liable for greater damages. By the way, this is also true for business contents insurance. If you have a disaster in the part of the home that is officially used as a home office, any damage to the contents of that home office will not be covered by the homeowner’s policy.
Many times with insurance companies, they offer different bundled packages. For instance your liability insurance may give you a discount if you include it commercial car insurance with it.
The usefulness of the Internet in obtaining reasonable quotes cannot be overstated. It is recommended that you use the Internet to obtain online commercial auto insurance quotes. This will save you time calling all the different insurance companies. That said if you do call one, make sure that you call one that is an independent insurance agent as they have been known to cover 15 or more different companies.
If you have a choice to have a driver over 25 for under 25, you should definitely choose the driver who was older than 25 years old. Again, just like with your personal auto insurance, young drivers are penalized and have to pay higher premiums.
A last tip to get a good premium is to see what your current company's willing to do in regards of giving you a better rate so that you stay with them. The key is to do this after you are you know what the other rates are so that you will be in a better position to leverage the negotiations in your favor.
