Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
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UPDATED: Aug 27, 2020

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As a small business owner, worrying about your commercial auto insurance should be the last thing on your mind. However, neglecting this important aspect of your business can hinder operations if you aren’t careful. After all, there are more than 15,000 traffic accidents each and every day — and if you don’t want one of them to get in the way of your bottom line, then you need reliable coverage.

It doesn’t matter if you’re insuring your own vehicle for commercial use or looking for a policy to cover a full fleet of vehicles. You can even get business vehicle insurance for boats, RVs and other business-use vehicles.

There is affordable and comprehensive insurance available near you, whether for yourself or your employees. Yes, that’s right; if your employees are using their vehicles in order to work for you, and get into a wreck on the job, you could face financial liability.

Finding the right commercial auto insurance doesn’t have to be an impossible task. It may seem complicated on the surface, but with a little research and some help, you can find what you’re looking for. Let us help you out.

You can even get FREE commercial insurance quotes with our comparison tool right now.

What is commercial auto insurance?

If your business requires the use of a company car, truck, van, or several automobiles, then you should purchase commercial auto insurance policies for them. This applies for rented, leased, or own vehicles alike.

Commercial Insurance by Vehicle Legend: Ford F-150 Ford Transit Cargo Van Lincoln Towncar Florida New York Texas California Illinois 20 40 60 80 100 120 140 160 180 200 $165 $171 $204 $170 $154 $171 $121 $167 $184 $106 $110 $122 $84 $88 $97

For many reasons, commercial auto insurance tends to be more comprehensive than most private auto insurance policies. For starters, many policies automatically include Liability, Property Damage, and Bodily Injury coverage. And it isn’t uncommon with commercial policies to also protect against fire, theft, vandalism, or severe weather damage.

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Who generally purchases commercial auto insurance?

Any small business owner who uses a fleet of vehicles in order to conduct their everyday business will need to purchase commercial auto insurance. But, as we mentioned earlier, even if it’s just your own vehicle that you also drive for personal use sometimes, it might be better to carry commercial auto insurance for legal reasons (even if it is slightly more expensive).

These Commercial Insurance Companies Offer Lowest Prices In Your Area

Why buy commercial auto insurance?

Auto insurance is required for every vehicle according to state law. Since it is illegal to drive a vehicle uninsured, you could be risking serious legal consequences if you don’t have your commercial vehicles insured. Also, some state laws may require you to purchase commercial insurance as opposed to a less comprehensive policy. Be sure to consult with your local and state laws to make sure that you are complying with all regulations.

How Can You Lower Premium Costs?

Lowering your commercial auto insurance premiums is a fairly simple process. Discuss any or all of the following with your insurance agent to figure out what discounts you could receive for taking out a commercial vehicle insurance policy:

  • ZIP Code – Where is your business located? If you’re operating out of a secure location, especially one where you can park your commercial vehicle(s) in a locked garage at night, you may be eligible for a discount
  • Employee Driving Record – make sure your drivers have good, clean records and apply for a safe driver discount
  • Choice of Fleet Vehicles – The lowest premiums can be found with domestically-produced, mid-sized sedans
  • High Deductible – if you have confidence in the safety of your drivers, try raising your deductible in order to lower your monthly premiums
  • Safety Features and Theft Protection – make sure you invest in safe vehicles with high safety ratings. Also, if you can, try to install GPS tracking devices and/or passive anti-theft devices to protect against theft.

When searching for commercial vehicle insurance, taking your search online can get you substantially larger discounts in a fraction of the time. And with the help of us here at AutoInsuranceEZ.com, you can compare multiple quotes instantly. Plus, buying online can get you even more discounts!

Enter your ZIP code here and search for a FREE commercial auto insurance quote today.