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Any vehicle needs to have auto insurance because its required by law and is necessary to protect your financial assets, however there are different types of auto insurance. Commercial vehicle insurance is used for vehicles used for business purposes.
If you have a business with employees that use cars, trucks or any other type of vehicle that the business needs you need to insure them with a commercial insurance policy. This type of insurance is more costly than regular insurance but it is really necessary to protect your business assets and keep your vehicle on the road when an accident happens.
But you can not just insure any vehicle as commercial, it must fit certain requirements to be considered a commercial or business vehicle. When insuring your vehicle you will need to provide many important details about the drivers and the vehicles.
Who are the drivers? What is their age? What is their driving record? Do they have an active license? What type of vehicles are you using?
What is their make year? do they have any past claims? what is the likely of it being stolen? does it have security devices? How many mileages a year do you drive? what is the destination of the vehicle? does it carry cargo? what type of material carries?
Those are some important questions that your insurance agent will ask you so he can provide you a quote. There are many different factors that determine the rates that you are going to pay, it depends on the risk factor, how likely is your vehicle of being stolen and getting in to an accident.
The more miles it travels the greater the risk of an accident or natural disaster to happen, there are some types of trucks that are more frequently stone, those cost more to insure. If you or any of your drivers are under 25 years old your rates will be higher than if the driver is an older person.
If you have any type of vehicle you must purchase auto insurance, however if you use vehicles for your business you need a different type of insurance called commercial vehicle insurance. If you have personal insurance and you use your vehicle for you business, then you may not be covered during your business activities, so its better to change your policy.
The Auto insurance department of the US Government can help you to get all the information necessary for your auto insurance business. Keep in mind that a commercial vehicle insurance is more expensive than a persons insurance but is necessary.
For instance, if have a truck in your business to transport cargo, is important to have business auto insurance and tell where you take your cargo, how many miles you use it a year and the model you have. This way the commercial insurance company will protect your assets, not just your vehicle but also your cargo.
How to get cheaper Commercial Vehicle Insurance
This kind of insurance is not cheap, but is an investment in your business to secure your assets and prevent any huge financial losses in case of an accident of vandalism. Is important that you hire only experienced drivers with a proper license. Install the necessary security devices like alarm systems, anti lock theft, air bags, etc. Those things will make your insurance premium cheaper because your vehicle will be less likely to be stolen.
IF you use cars for your business, keep in mind that some types of cars are more expensive to insure than others. Economic cars like a Sedan are very cheap to insure.
Any driver under 25 years of age is surely a high risk in vehicle insurance. The lower a driver’s age particularly within the under-25 age group, the more expensive the rates. This piece will discuss way you can save a lot.
1. Choose higher deductibles. A higher deductible brings down your vehicle insurance premium. Only take care not to ask for deductibles that are higher than you can handle. .
2. Insurers have special driving programs (like defensive driving) that are meant to make you a better driver. Take courses in defensive driving. Defensive driving classes that are accepted by your insurer will certainly bring down your vehicle insurance rate.
3. Choose a car that has daytime running lights, anti-lock brakes, an alarm system and any other safety or security gadget. Such cars enjoy a high safety rating. Doing these will enable you obtain affordable vehicle insurance.
4. Go for an Inexpensive car if you really want affordable auto insurance. Don’t buy sports cars and other vehicles that are normally expensive to insure. You can use a similar vehicle that is inexpensive to insure. Here’s a rule of thumb: Big cars, rare cars, classic cars and cars with a high incidence of theft cost much more to insure.
5. You are advised to take your studies seriously as it attracts cheaper vehicle insurance rates. The reason for this is that students who are serious with their studies are generally more careful.
6. You can opt to be on your parents’ vehicle insurance policy. Howbeit, to make this work you’ll have to live with your parents and have the car registered in their name.