Are you looking for commercial auto insurance Atlanta? Do you want it for a single vehicle or the entire fleet? You should look for an affordable as well as proper protection. Here are some tips which you can buy for commercial auto insurance which will help you manage costs but at the same time make sure that you are adequately protected.
Check Driving Records
When you are hiring an employee who will drive a company vehicle or its vehicle as a part of the job, you need to make sure that the one you are hiring should have all the required licenses. When you have people with good driving records, it positively affects your premium. When you have employees with excellent driving records, it will keep the premium low. Those people who have poor driving records, not just change the premium but they change the entire business at risk.
Go for ‘Hired and Non-Owned Vehicle’ Coverage
Your employees may be using their vehicles for business purposes. They may also help you borrow or rent a car on a business trip. In such situations, the commercial auto policy excludes coverage unless you purchase the optional policies.
Can the Insurance Carrier Will Offer an “Additional Insured”
Does the business involve contracts which would require you to have another party added as an ‘addition’ to the policy? You should make sure that this need is appropriately handled.
Whether you are offered ‘Driver Other Car’ Coverage?
If you own the business and do not have a personal auto policy, as the company owns the business, then you should get this coverage to your commercial auto policy. In this way, you and your spouse are covered if you drive another vehicle for personal use. It also provides similar coverage to personal auto policy.
Get the Reimbursement Coverage as Well
If the company vehicle is damaged and it has to go to the shop for the repairs. This coverage will cover the costs of renting a replacement vehicle.
Purchasing a Higher Limit for Better Protection
You will surely want to keep the premiums low, but then you will want to make sure that it offers sufficient coverage to protect you if you are sued. In today’s society, people sue quickly, and the judgment can run into thousands of dollars or more. You should stay away from liability coverage on an auto-policy and also consider having an umbrella policy to extend the protection.
If you have commercial auto with the same carrier which can write your package you may also be eligible for discounts which depend entirely on the situation.
Increase the Deductible
If the deductible is high, you may you have to pay a low premium. You need to evaluate what you need to pay if you have to file a claim.
In the End
If you are planning to buy commercial auto insurance Atlanta, you should keep these things in mind.