Jumat, 11 Desember 2009

Commercial Vehicle Insurance Quotes Get a Commercial

There are many details an insurance agent needs to know when preparing a commercial vehicle insurance quote for your business. Whether youre getting a commercial truck insurance quote or need coverage for another type of commercial vehicle, use this helpful information to make sure youre prepared.

Your current commercial vehicle policy

Bring a copy of the declaration page from your current commercial vehicle insurance policy. This gives the agent a starting point to determine what insurance you need, and how your commercial vehicle quote can be customized to meet the specific needs of your business. If you currently don't have business vehicle insurance, bring a copy of your personal auto insurance to use as a foundation for the commercial quote.

Information about your company

Tell the agent how your business uses the vehicle. This will impact the overall premium. You need to tell the agent if employees drive the vehicle, if the vehicle transports people or goods, if the vehicle is driven many miles every day or if it sits parked most of the time.

A credit report for you and the business will be reviewed to make sure you are financially solvent and to create an accurate quote.

Vehicle details

If your current policy doesnt already include it, make a list of every vehicle to be insured on the commercial auto insurance policy, including:

Driver information

For each driver, include:

The insurance company will contact your states DMV and review driving records for each person on your list. This information is kept confidential.

Loss history

Provide information about any commercial auto insurance claims you have made in the past three years. If youve been without a serious loss in that time, your business car insurance quote and premiums may be less.

Ways to get a lower commercial vehicle insurance quote

Most insurance carriers offer a variety of discounts that could save you in the long run. Consider these money-saving factors when you pursue a commercial vehicle quote.

  • Discounts may be applied if your business has not filed a claim for a serious loss in at least three years.
  • If you can provide proof of continuous insurance, i.e. the declarations page of your current policy, your premiums might be lower.

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