Alabama offers residents a diverse range of geography, from the coastline to the mountains and rural areas. With such a beautiful and varied state, it's no wonder that the state is a big attraction for tourists and businesses. If you own a business in Alabama, you most likely use vehicles to conduct business. Having commercial auto insurance for your business vehicles is critical in order to keep your business running smoothly in case of an accident. The following information will help you evaluate quotes and coverage options for your commercial auto policy.
Accidents happen. When you're a business owner, an accident can stop your business in its tracks. Commercial vehicles can become targets for accidents due to their increased visibility and the backing of a company. Commercial vehicles are also larger and heavier that typical cars, making these commercial vehicles inherently more dangerous to drive. Commercial auto insurance is like a first aid kit. You don't need it until you need it, and if you have it, it can save your business's life.
In Alabama, a commercial auto insurance policy will help protect you from some of the most common risks you face as a business owner. A typical policy may contain the following options:
Unfortunately, semis and large trucks can cause a large amount of damage, even in a small accident. The potential for serious injuries and fatalities is much higher when a semi is involved. Commercial truck insurance provides the extra liability coverage you need for your large truck or semi.
Additionally, semi and large truck drivers should consider purchasing cargo insurance. This coverage can help you recover cargo that was lost, damaged or stolen during transport.
Insurance companies realize that, with the large number of businesses in Alabama, there will be a variety of commercial vehicles on the road. The following is a basic list of vehicles that you can cover with commercial auto insurance:
This list is not exhaustive but is a general list of the vehicles typically covered by a commercial auto policy.
Commercial auto insurance quotes vary depending on a number of factors. When searching online for commercial auto insurance quotes in Alabama, be sure to be familiar with the following factors:
Insurers will use this information in order to give you accurate quotes on a commercial auto insurance policy for your business.
Just like the majority of insurance policies, there are discounts available on commercial auto insurance. These discounts may include the following:
One other way to save money on a commercial auto insurance policy is to keep your policy as up to date as possible, with accurate lists of drivers and vehicles.
When it comes to covering your business vehicles with a commercial auto insurance policy, it's important to have a professional by your side who is familiar with the business and can get you the best coverage at the best price. A Trusted Choice® agent is always available to help you explore coverage options, suggest discounts or even help you file a claim.
Contact a neighborhood agent for more information.