Commercial Auto Insurance

Commercial auto insurance provides coverage for business vehicles in the event of an accident involving injury, death, or property damage. This covers many types of businesses that work with a variety of vehicles in their day to day operations. Rates vary depending on the amount and type of coverage that is received and one can seek free quotes online through a multitude of websites. In order to receive quotes, driving history must be reported, and these reports could cause original quoted rates to change. Some commercial vehicles covered through commercial car insurance are passenger autos, pick-up trucks, tow trucks, tractor- trailers, and farm related vehicles.

Bodily-injury and guest passenger protection pays for any injury that the insured is responsible for and any legal issues associated with the claim. Commercial car insurance includes property damage coverage, which covers damage to property caused by the insured's vehicle and any legal issues involved. Comprehensive coverage repairs and or replaces loss to insured's vehicle, regardless of fault, but a deductible must be met with coverage before the policy will pay out. A commercial auto insurance policy may also include collision coverage, which will pay for damage to the insured vehicle if it is involved in an accident with another vehicle, regardless of fault.

Discounts for this service may apply for various reasons including safety and security. Anti-theft devices capable of recovering the vehicle may include a discount on premium, if comprehensive and collision is included on the policy. Good driver discounts as well as discounts for safety features on the vehicle may apply to commercial auto insurance policies. Multi-vehicle discounts, annual mileage, and the type of commercial vehicle will probably affect commercial car insurance rates. It is important to obtain a free annual credit history copy before applying for a free quote. "For by wise counsel thou shalt make thy war: and in multitude of counsellers there is safety." (Proverbs 24:6)

Additional information needed to purchase coverage involves knowing how the vehicle is used. With a policy of this nature, using the vehicle for sales calls, business trips, picking up supplies, and estimation of annual mileage may all be factors affecting rates. Some exclusions of coverage for commercial car insurance may include carrying persons for a fee, intentional acts, racing or stunt driving, and others. The individual or business owner can research options on the Internet for commercial auto insurance before purchasing a policy to be an informed customer and to ensure lower rates.

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