December 17, 2012

Commercial Auto Insurance

How to Find the Best Auto Insurance for Your Business Vehicles

Did you know that commercial auto insurance is required in the state of California? While you might not have the time and expertise to search for a commercial auto insurance policy that fits your needs, the agents at Cornerstone Preferred Insurance can help!

commercial auto insurance for truck and 18 wheelerWe will shop all of the top providers to find the most affordable insurance with the best benefits. When you work with our business team, we will look into all the details, such as:

  • making sure the business is listed as the “principal insured” rather than your name if the business owns the vehicle
  • verifying how your employees are using company cars and if they are using them for personal reasons as well

Speak to Our Insurance Specialists About Your Business Needs

Your company’s need to purchase a commercial auto insurance policy is dependent on the type of driving its employees do. Our agents will sit down with you to learn about your business, search the country’s top providers to find policy that is right for you, and then explain your business’s vehicle insurance options.

Cornerstone isn’t tied to using any one provider like the major companies. We have access to hundreds of policies, sometimes at a discounted rate.

We understand that you may have questions and we are more than happy to take as long as you need to be satisfied with the plan you are buying. Contact our business insurance agents by calling to learn more about your options- or you can get a free commercial auto insurance quote right now! We have convenient locations in both Glendale and Santa Clarita.

Have more questions about your commercial auto insurance plan?

Get answers from our business insurance specialists. Read our frequently asked questions or contact one of our insurance agents for further explanation.

What type will my commercial auto insurance plan cover?

While our insurance agents can tailor your plan to your specific business needs, most auto insurance plans will cover the following:

  • Damages to property that were caused by your vehicle
  • Bodily injury to others
  • Bodily injury for you or any of the drivers who work for you
  • Underinsured and uninsured motorists
  • Liability for unloading and loading
  • Vehicles that are not owned by you or your employees
  • Towing and labor

How do I know if I need commercial auto coverage?

If you or any of your employees use a vehicle for business purposes, then you should take out commercial auto insurance. This includes:

  • Making deliveries
  • Chauffeuring employees or clients
  • Carrying equipment, including housekeeping equipment
  • Freight transportation
  • Towing other vehicles for pay

How much will my commercial auto insurance cost?

Your insurance premiums will depend on a number of factors:

  • The amount of vehicles you need to insure
  • Type of vehicles
  • Driving records
  • Age of drivers
  • Possible risks

If you need to insure multiple vehicles, then insurance providers will usually provide a bulk discount. Generally speaking, farming and construction vehicles will cost less to insure than small passenger vehicles. The most expensive vehicles to insure are freight vehicles that carry over 10,000 pounds.

Will my commercial auto insurance be tax deductible?

Yes. You can deduct the cost of your commercial auto insurance for tax purposes.

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