Buying auto insurance can be a stressful ordeal for anyone, and that’s true when you’re purchasing commercial auto insurance. There are a number of different factors to consider when you’re purchasing a commercial policy, and you shouldn’t rush to make a decision before you consider all of them. Before you choose an insurance policy that will cover your fleet of vehicles and your employees, you should stop to think about how you can go about getting an affordable policy that will offer you the coverage that you need. While there are some things that you can’t control, being aware of your situation before you go and search for commercial coverage can help you determine what to expect.
Consider Your Drivers
When it comes to getting great rates on premium commercial auto insurance coverage, one of the things that you’ll need to think about is the drivers you plan to employ. Just like insurance for individuals, insurance for commercial vehicles will take driver histories into account. If you employ drivers who have a lot of accidents on their records, then this is something that could end up making your premiums go way up. However, you can also get some discounts if the drivers you employee have CDL licenses. That’s one discount that you should look into before you end up making your final choice for insurance coverage.
Consider Your Fleet
Another thing that you need to think about when you’re trying to secure commercial auto insurance is the fleet of vehicles that you’re trying to cover. If you have newer vehicles in your fleet, and they’re expensive to own, the odds are that you’re going to face higher premiums. In addition to looking at the vehicles you have now, you should also think about which ones you might add to your fleet in the near future. The type and cost of these vehicles can make a big impact on your insurance premiums, so keep this in mind when you’re shopping around for coverage.
Don’t Be Afraid to Compare
When it comes to getting great commercial auto insurance for an affordable rate, one of the best things that you can do for yourself is to compare. All business owners have choices when selecting commercial auto insurance, and you’ll only be able to select the deal with the best price and benefits if you shop around and see what your options are.
If you’re looking to purchase commercial auto insurance, contact David Ison & Sons Insurance, Inc. We’re here to ensure that you get the commercial auto insurance policy you need, so call us today at 210-490-1494 to learn more!