Commercial Auto Insurance in Idaho | Cost & Coverage

The state of Idaho is home to one of the fastest-growing economies in the nation. From a large computer component sector to a quickly growing population, Idaho has become primed and ready for business. Commercial auto insurance is probably one of the most important insurance policies you can have to cover your Idaho business and assets from liability claims and lawsuits stemming from an accident. Find out below how to get quotes and coverage for your Idaho business.

Idaho Accident Statistics

During recent years, traffic accidents increased 2.7 percent and traffic fatalities increased by more than 10 percent.
During recent years, traffic accidents with commercial vehicles decreased by 36 percent, however, fatal accidents involving commercial vehicles increased by 6 percent.
673 people suffered injuries and 15 people died in commercial vehicle accidents in recent years.
A traffic accident occurred in ID every 24 minutes.

Traffic accidents occur every day in Idaho. While having personal auto insurance protects you while you're driving your personal vehicle, this coverage does not extend to business-related trips or commercial vehicles. The only way to protect yourself while driving a commercial vehicle or running errands for a business is to have commercial auto insurance in place.

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What Types of Commercial Auto Insurance Are There in Idaho?

Commercial auto insurance is a policy or set of policies put in place to protect your business from liability and lawsuits stemming from auto collisions. Legally, you must have commercial auto insurance covering your business vehicles in Idaho. A typical commercial auto insurance policy in Idaho may include any of the following or a combination thereof:

Auto liability: If you or an employee is involved in an accident, this insurance will cover third party property damage costs and medical fees up to the limit of your policy. It can also cover your legal defense if you're taken to court.
Medical payments: If you or an employee is involved in an accident and someone sustains an injury requiring medical treatment, this will cover those costs.
Collision coverage: Collision coverage will pay to repair damage to your vehicle after a crash.
Comprehensive coverage: This insurance covers "everything other than collision." This coverage will pay for damage stemming from events like hail, vandalism, equipment accidents and much more.
Rental reimbursement: If your business is dependent on transportation to conduct business, it's important that you have a full fleet available at all times. If you have to rent a vehicle while one is in the shop, this coverage will help pay for that rental.
Uninsured and underinsured motorists: If another driver causes an accident with one of your company vehicles, that driver’s insurance should pay for any damages. But if the driver has little or no auto insurance, this coverage will help cover your costs.
Towing and roadside assistance: If one of your vehicles gets a flat tire or needs a tow or your driver is unable to enter the vehicle, this coverage will cover those costs. If you have large commercial vehicles, these services can be incredibly expensive.

Each of these coverage options works to protect your business from large financial burdens, lawsuits, and liability in case of an accident or damage. It's important to have your vehicles protected with an adequate insurance policy before an accident happens.

What Types of Vehicles Does Commercial Auto Insurance Cover in Idaho?

Commercial auto insurance protects all commercial vehicles. This includes, but is not limited to, the following:

Pickup trucks
Large vans
Semi-trucks
Commercial trucks
Autos used for business
Limos
Tow trucks
Dump trucks
Commercial vans
Buses
Taxis
Trailers
Tractors

These are just a few of the vehicles you can cover with commercial auto insurance. If it has tires, you can probably cover it with commercial auto insurance in Idaho.

How Much Does Commercial Auto Insurance Cost in Idaho?

Since every business owns different numbers and types of vehicles, commercial auto insurance has no set price in Idaho. On average, however, you can expect to pay the following:

Commercial car insurance cost per year: $1,200 to $2,400
Commercial truck insurance cost per year: $800 to $2,000
Commercial taxi insurance cost per year: $5,000 to $10,000
Commercial bus insurance cost per year: $35,000
Commercial tractor trailer insurance cost per year: $2,500+

These averages are just a general guideline. Your quotes may be more or less than the figures above. It's important to note that your rates depend on many factors, including the driving records of your employees and yourself, along with your business's risk exposure.

What Do Agents Need to Know to Give Commercial Auto Insurance Quotes?

When you are searching for commercial auto insurance quotes, your agent will likely ask you a number of questions pertaining to your business. Before getting commercial auto insurance quotes for your Idaho-based business, be sure to familiarize yourself with the following:

Type of business
Year established
Number of employees
Number of vehicles
Types of vehicles
Value of vehicles
Driving histories for all employees, along with yourself
Your business credit score
History of accidents/insurance claims
An estimate of how many miles will be driven per year
Coverages preferred
Limits preferred
Deductible preferred

These are just a few of the questions that you'll need to answer in order to get accurate commercial auto insurance quotes for your Idaho business.

Are There Discounts Available on Commercial Auto Insurance Policies?

When shopping for a commercial auto insurance policy to cover your business, be sure to ask about available discounts. These discounts may include the following:

New customer discount
Loyal customer discount
Paid-in-full discount
Safety course discount
Claims-free discount
Continuous safety program discount
Multi-policy discount
Business experience discount
Commercial license discount

How To Get Commercial Auto Insurance in Idaho

When searching for commercial auto insurance to cover your business, it's important to have an experienced professional by your side. An agent is always available to help you narrow down options, suggest coverage or even help you file a claim.

Contact an independent insurance agent for more information on quotes and getting coverage.

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