| If you use your car for commercial purposes, | | | | The simplest way to get commercial car |
| such as making deliveries for your small home | | | | insurance quotes is from the insurer's official site. |
| business or visiting contacts, then you need to | | | | Make sure to prepare all the required information, |
| buy commercial car insurance for your car. | | | | such as the license number of each named driver |
| Personal auto insurance policies may deny | | | | and their driving history, vehicle identification |
| coverage if the car is used for commercial | | | | number and make and model of each car to be |
| purposes, as they generally cover only the regular | | | | covered. Make sure to get quotes from at least |
| daily use of the vehicle (i.e. traveling to and from | | | | three insurance providers to be able to evaluate |
| work and trips for leisure purposes). This exposes | | | | rates and other features and ensure you get the |
| the small-business owner to serious financial losses | | | | best value for your money. |
| if the car is involved in an accident. | | | | There are several ways you can save money on |
| Commercial car insurance, such as traditional auto | | | | your commercial car insurance. If your regular |
| insurance, covers the repair or replacement of a | | | | insurer carries this type of insurance, you might |
| vehicle damaged in an accident and shoulders the | | | | be able to get a discount by taking out several |
| cost of any claims for injury or property damage | | | | types of insurance from him, i.e. by buying |
| filed by third parties. There are three kinds of | | | | homeowner's insurance and a commercial vehicle |
| coverage available: private and sporadic business | | | | policy. Some insurers might also let you to add |
| use, which covers the intermittent use of the car | | | | commercial coverage to your regular car |
| for commercial purposes as long as the car is not | | | | insurance as a rider whenever you need it. |
| registered for business purposes and does not | | | | You can get discounts on your insurance through |
| represent an important part of your business | | | | the usual methods, such as making sure that the |
| income; private and business use, which covers | | | | vehicles have safety features such as automatic |
| customary use of the vehicle for commercial | | | | seat belts as well as anti-theft devices such as |
| purposes by the regular driver or any named | | | | car alarms and locking devices for the steering |
| driver; and commercial coverage, which provides | | | | wheel and always parking the car in well-guarded |
| coverage where the named driver uses their | | | | parking lots and other safe places. If you are still |
| personal vehicle as part of their work. You have | | | | in the process of buying a car, then you should |
| to apply for the particular type of cover that you | | | | consider buying a make and model of vehicle that |
| need. If your staff also use their personal cars in | | | | will not be charged high premiums by insurers. |
| their work, you should also take out "non-owned | | | | You can research this by asking for a commercial |
| auto" policies; this provides coverage whenever a | | | | car insurance quote using the model of car you |
| business uses a vehicle that is not in their name, | | | | intend to purchase. |
| including the business owner's personal car. | | | | |