Seven Steps To Finding the Right Commercial Auto Insurance

Finding a good deal on commercial state or California auto insurance is more than finding the lowest rate—it’s finding the best all-around coverage to suit your company’s needs.

Understanding what state or California auto insurance coverages and service options are available is the first step toward making informed decisions so you and your business are adequately protected. The experts at Direct Choice Insurance .com offer these tips to help you find the right coverage, service, and price:

Know the state or California auto insurance company you’re dealing with and its reputation for handling claims. If the company lacks experience handling commercial auto claims, you could end up paying more for “cheaper” coverage in the long run. In business, vehicles need to be on the road or you lose money. Auto insurance companies that don’t specialize in commercial auto coverage often don’t have their own claims representatives handling the process. This outside handling will likely lengthen the process in getting vehicles back in service.
Look for discounts. Before initiating a quote for a commercial state or California auto insurance policy, gather your company’s loss and financial records. This information can save you a lot of money. You may qualify for discounts if you’ve carried increased liability limits in the past, if your employee base consists of experienced drivers, or if your company’s credit rating is good.
Don’t let your coverage lapse. Proof of prior commercial state or California auto insurance is important, so avoid letting your insurance policy lapse. If you do, you will most certainly pay more for your next policy.
Ask for referrals. Find out where colleagues in your business have gotten the best coverage and service for their businesses. They may be able to refer you to a state or California auto insurance agent or company that will understand your business.
Check driving records before hiring. If employees will be driving a company vehicle, screen the Motor Vehicle Report (MVR) for every potential hire.
Update the value of your equipment. If you’ve added, upgraded, or phased out equipment, you want your state or California auto insurance policy to reflect the current value of your fleet. This ensures you have the coverage you need and that you’re not paying for coverage you don't need.
Check options for managing your policy. See if you can handle routine tasks online or over the phone instead of having to visit an agency or mail in forms. It saves time, and in business, time is money.

For more information about commercial state or California car insurance, visit www.Direct Choice Insurance .com

Did You Know?

Before initiating a quote for a commercial state or California auto insurance policy, know that you may qualify for discounts if you’ve carried increased liability limits in the past and if your employee base consists of experienced drivers. To learn more, visit www.Direct Choice Insurance .com