| If you use a car in the regular operation of your | | | | on the vehicle. This is particularly true if you are |
| business, it is imperative to have some sort of | | | | the only driver of the vehicle. |
| insurance on that vehicle. When doing so, there | | | | If the vehicle is not a typical car or is a specialized |
| are two different kinds that you can choose | | | | vehicle that would not normally be used |
| from: personal and commercial car insurance. This | | | | personally, you will need to purchase a commercial |
| confuses many people because in many cases, | | | | policy. This is also the case if you will be |
| they are able to use one of the other | | | | transporting unusual or dangerous materials, are in |
| interchangeably. So, how do you know which one | | | | need of a higher liability coverage amount than |
| is the better choice for you? | | | | you would normally get on a personal policy, or if |
| Overall, the two types of insurance are | | | | you have any kind of specialized needs that a |
| functionally going to be very similar. For general | | | | personal policy is not equipped to handle. |
| use, personal car insurance will offer you a more | | | | The other benefit of a commercial policy is that |
| broad spectrum of coverage than you would find | | | | you may qualify for a multiple policy discount |
| in the commercial variety. Because of this, if you | | | | from your insurance provider if you are |
| are using a typical car that you use for both | | | | purchasing all of your business insurance policies |
| personal and business usage, you will likely be best | | | | from the same provider. |
| served with a standard personal insurance policy | | | | |