Auburn Commercial Vehicle Insurance

How to connect with an independent agent

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Alabama Commercial Vehicle Insurance

Alabama has one of the highest percentages of commercial truck fatalities in the nation, with 20% of accidents involving a commercial fleet. If you own a business in Auburn, AL, there are specific coverage requirements for commercial vehicle insurance.

An independent insurance agent can help find a commercial auto policy that doesn't significantly impact your bottom line. The state and federal laws need to be met if your business wants to have compliant insurance. Get connected with a local adviser for customized commercial vehicle quotes.

Why Do Auburn, AL, Businesses Need Commercial Vehicle Insurance?

Auburn, AL, commercial vehicle insurance helps protect the business owner as well as other road participants. The Alabama Highway Safety Office has a drive safe initiative to inform residents. According to their reports, these are some Alabama statistics.

  • In Alabama, almost 56% of road fatalities did not wear seat belts.
  • 49% of all Alabama road fatalities occurred at night, including dusk and dawn.
  • In Alabama, most fatal crashes occur on a Saturday.
  • Friday is when most accidents occur in Alabama.

Commercial auto insurance will pay for liability and physical damage losses. If an accident occurs, adequate coverage could mean the difference in your business staying open or not. To avoid financial ruin, consider reviewing your policy for accuracy.

How Much Does Commercial Vehicle Insurance Cost in Auburn, AL?

Business insurance across the board will vary in quality and price. Commercial vehicle coverage in Auburn, AL, is no different. Check out the risk factors that carriers use to determine your pricing.

  • Year, make, and model of all vehicles
  • The radius in which you travel
  • The number of drivers and their motor vehicle records
  • What the vehicles are used for
  • The coverage you choose
  • Where you store the vehicles
  • What safety measures you have in place
  • The time of day or night these vehicles are driven

Insurance companies use the above factors and more when rating your commercial auto policy. They will take into account your loss history, insurance score, and more. To determine how much you will pay, get qualified quotes from a licensed professional. 

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What Are the Commercial Vehicle Coverage Requirements in Auburn, AL?

In Auburn, AL, commercial vehicle insurance has requirements that are mandatory at the state level. A minimum liability limit is required for all commercial vehicles. Heavy trucks and tractors will have to follow the Department of Transportation (DOT) guidelines.

Alabama's minimum liability requirements for commercial vehicles

  • $25,000 property damage liability per accident
  • $50,000 bodily injury liability per accident
  • $25,000 bodily injury liability per person

Alabama's DOT minimum liability requirements for oversized vehicles / loads

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $300.000 property damage liability per accident
  • $1,000,000 if a combined single limit policy

When you cross state lines, there could be federal coverages needed. The materials you haul and the frequency, weight, and other factors are used when quoting. Consider checking with a trusted adviser on how to meet all requirements.

What Else Does Auburn, AL, Commercial Vehicle Insurance Cover?

In Auburn, AL, if you want protection for your commercial autos themselves, you'll need to add it. Most commercial vehicle policies only come standard with minimum limits of liability. To better insure your assets and get replacement or repair, take a look below.

Comprehensive insurance: This covers the cost to repair or replace your commercial vehicle if it is lost or damaged due to a non-collision accident.

Collision insurance: This will replace or repair your commercial auto that is damaged due to an accident.

Non-owned or hired auto liability insurance: If an employee or contractor uses a non-company-owned vehicle while doing business on your behalf, this will cover your exposure.

Uninsured motorist insurance:  If your commercial auto is involved in an accident with an uninsured driver, this provides coverage for property damage and medical costs.

Rental car insurance: This covers the cost of renting a commercial vehicle while your company-owned auto is being repaired.

Towing and roadside assistance: This will pay for a tow to pick up your disabled commercial auto. 

Why Work with an Independent Agent in Auburn, AL?

Commercial vehicle insurance in Auburn, AL, needs to meet specific state and federal guidelines. If you're trying to find coverage on your own, you could be missing essential items. Consider using a trusted professional for all your business insurance needs.

Fortunately, an independent insurance agent has access to several carriers, allowing your business to have options. Since they work on your behalf at no cost, you'll save big. Connect with a local adviser on to get started. 

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