Getting Commercial Auto Insurance Quotes Online

Need a commercial auto insurance quote? Most major U.S. insurers offer commercial policies. Save up to 20% by comparing online quotes from different companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 27, 2020

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Things to Remember...

  • Besides the risk of liability, business owners also have to consider the value of their vehicles and the things that they carry inside
  • It is very important to make sure that each car, truck, or van that you use for business is adequately protected
  • The best choice for insurance coverage may depend on the type of business that you run and your personal preferences
  • If you run a very small business, you might be covered well enough by adding commercial vehicle coverage to your personal car policy
  • If you own or manage a larger company, you will surely want to purchase a commercial car insurance policy to protect your vehicles

Many small business owners are taking a big risk with their businesses and their vehicles.

This is because they reply upon their personal auto policies to insure cars, trucks, and vans that they heavily use for business.

In some cases, these well-meaning business owners even lend their personal cars out to employees for business use. This can cause a lot of problems that could be avoided by getting business car insurance.

It today’s society, businesses leave themselves open to a lot of risks if one of their vehicles is involved in an accident. Even minor accidents can run up bills that total thousands of dollars.

Serious accidents, that involve injuries, could be ruinous without adequate coverage.

Besides the risk of liability, business owners also have to consider the value of their vehicles and the things that they carry inside.

It is very important to make sure that each car, truck, or van that you use for business is adequately protected.

Be sure to check out the FREE comparison tool located above to find the best rates for auto insurance!

Simply Get Commercial Car Insurance Quotes Online

It is actually rather easy to buy commercial car insurance. In fact, you can even find websites that will offer commercial auto insurance quotes online.

Some nationally known personal auto insurance companies also offer business policies.

Other companies only concentrate on the commercial market. The best choice may depend on the type of business that you run and your personal preferences.

If you only need to insure a few cars, you may be able to fill out an online quote form in order to compare plans and prices.

On the other hand, if you need to insure an entire fleet of vehicles, you can email your information to an insurer or local agent for free quotes.

After comparing quotes, you may be able to complete your entire transaction over the Internet too. In any case, it should only take a few minutes to find out how much it will cost to cover your business vehicles.

Different companies may offer you a variety of rate and coverage plans, so you will be free to choose the best ones from the comfort of your office if you shop for coverage online.

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How to Get Commercial Car Insurance

You might also have choices in the way you can cover your business cars. There are a few popular alternatives that you might consider:

  • Add a business rider (option) to your current personal policy.
  • Purchase commercial vehicle insurance.

Extend Personal Auto Policies for Business Use

If you run a very small business, you might be covered well enough by adding commercial vehicle coverage to your personal car policy.

This might be a particularly convenient choice is you still mostly use your car, van, or track for personal use. In some cases, it won’t even cost any more or the cost might be minimal.

A small extra monthly charge could protect your financial life and save your business in case you have an accident or suffer from theft or vandalism.

But you definitely should let your insurer know that you use your car for business use.

Failing to inform your insurer about this new use of a vehicle could violate the terms of your policy or simply leave you with inadequate protection.

  • You could be driving more miles than you originally stated on your application.
  • You might carry around supplies, inventory, and equipment, and the value of these things could exceed the limited coverage that personal policies usually offer for personal property.

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Purchase Commercial Auto Insurance

If you own or manage a larger company, you will surely want to purchase a commercial car insurance policy to protect your vehicles.

Nobody ever plans on having an accident, but even a minor wreck can exposure your business to all sorts of high damage claims and risks.

Even if you were not operating a vehicle, you could be liable for damages that one of your employees causes

In order to protect yourself and your company, you need to have a good insurer watching your back.

You should be able to find the right business coverage if you only need to protect one car or a fleet of cars, trucks, and vans.

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What do commercial car insurance policies cover?

Of course, policies will differ. Different Insurers may offer different options, and you may select a variety of options from a menu that any one insurer offers.

In some ways, business policies are similar to personal policies. They can include liability, collision, and comprehensive coverage for your vehicles.

They can also offer adequate coverage for the equipment, supplies, and inventory that are contained inside the vehicle. They may, in addition, provide coverage for injuries and accidental deaths.

In addition to the basics, commercial auto policies may also include some other options:

  • Hired Cars – If you need to hire or even borrow a vehicle, they could be covered the same as the vehicles you own.
  • Leased and Rented Vehicles – Does your company need to rent vehicles for special uses? They may be covered too.
  • Electronic Equipment – Do you need to carry a GPS system inside of your vehicles? Some policies cover these extras too.

The great thing about working with a commercial auto insurance company is that many also provide extra services that can help prevent future accidents.

You might not plan to have an accident, but it is good to know that you can plan to avoid an accident!

Some will offer to analyze your company’s driving safety records and provide suggestions to help you improve your performance.

In fact, they may even offer you a discount for participating in these safety plans.

Can you actually get commercial car insurance quotes online?

You can certainly choose to get commercial car insurance quotes online. This gives you a chance to compare rates and coverage options from the comfort of your office.

After you have narrowed down your selection of insurers, you are still free to contact local agents or insurers for more information.

This is a sensible way to combine the speed and efficiency of high-tech quote systems with personal service.

Why not make certain that you have the right business car insurance at the right price by comparing different rate quotes today?

Enter your ZIP code to get started comparing rates for free now!

References:

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