THURSDAY, JUNE 24, 2021
If you have a business that relies on vehicles, then commercial auto insurance is a must for your company. Whether you have a small fleet of cars or a large collection of trucks, this coverage can save your company. After all, it covers the costs of collision, medical payments, uninsured motorists and liabilities, to name a few.
When it comes to insurance premiums, it pays to have the best – without burning through the business profits. How can you get the finest coverage for you company?
Pick the right coverage for your business
Commercial auto insurance comes in different shapes and sizes in order to cover cars and trucks that conduct basic travel. But apart from this, there are more specific policies. Examples include tow truck insurance, pickup truck insurance and dump truck insurance. Choosing the most fitting option for your company will give you the best coverage possible.
Think hard before buying a new company car
If you think that owning an expensive company car will do you good, think again. Of course, with a classy vehicle comes a higher premium. If you plan on buying a new company vehicle, check with your insurance provider for a new rate quote.
Scrutinize your would-be employee’s driving history
Say your applicant is the perfect match for the job. Before you hire him as a new driver, make sure to check his driving record first. Obtain his record from the DMV to see his slate – if it is spotless or very colorful. This will save you from paying a more expensive premium – since the rates go up for drivers with sketchy records.
Hire commercially-licensed drivers
Drivers authorized to operate commercial vehicles usually come with lower commercial auto insurance premiums. To save money and to keep your employees road safe, it is recommended that you hire someone with a commercial vehicle license.
Speak with an independent insurance agent
To avoid smarmy sales tactics from agents tied to large corporations, hire an independent insurance agent. Independent agents are not loyal to any one company, therefore, they can scour the nation for the best insurance on your behalf. Best yet, they do the grunt work for you to save your valuable time.
Get the coverage you need. Call CCI Insurance Services at 530-458-8831 for more information on Colusa business insurance.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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