The first step towards obtaining affordable commercial auto insurance quotes is to speak with an independent agent who can give you multiple options from different carriers. You’ll benefit from choosing an agent who is local and understands the nuances of where you live.

These Tips Can Help You Get Discounts on Commercial Auto Insurance

Shopping around for commercial auto insurance quotes is easier when you know how the system works. These are some standards to the industry that you should make sure are part of the equation when getting your quotes.

• Consider obtaining commercial auto insurance quotes that combine liability, auto, and other business insurance policies. You can get a discount in the double digits for doing so.
• If cash flow allows, you can often save as much as five percent by paying your premium upfront.
• Work out the math to figure out whether a higher deductible will save you in premiums. If the extra premium cost is higher than the deductible, you’re losing money off the bat.
• Businesses that have been operating for a certain amount of years—usually either three or five—will often qualify for a discount.
• If your drivers have commercial licenses, some insurance companies will offer sizeable discounts.

Consider Seasonal Commercial Auto Insurance

Ice cream truck drivers, snow plowers and lawn maintenance contractors are some of the businesspeople who can benefit from a seasonal commercial auto insurance policy. This type of insurance can be customized to where you still have comprehensive insurance during the off-season.  So if you have a vehicle sitting in storage, you won’t need collision insurance, but you will still want insurance against theft and natural disasters. If you use your vehicle for personal uses during the off-season, work with an agent to get a customized plan that fuses personal and commercial coverage.