Question about Car Insurance Quotes Alabama: Commercial Car Insurance in Alabama

We are going to be trading in our personal car to get one to use for our small business. It will be used for both personal and business means, except the business will be footing the bill.

I started looking around and found commercial insurance is WAY more expensive than personal. Is it really worth it that I get a Commercial car insurance here in Alabama? What benefits will I get?

Chad  J.
Alabama

Answer:

Hi Chad,

Many people who run a business, especially those that run a business out of their homes, do not realize that they may need commercial car insurance as an extra protection for their businesses.

However, if you drive for work or your employees drive for work at any time, obtaining commercial car insurance in Alabama may be a smart idea.

It’s important to make sure your car is “properly classified” as either a work vehicle or a personal use vehicle. Because if your car is listed as ‘personal use only’ and you get in an accident using it for business purposes your insurance might not pick up the tab. You could be stuck paying for thousands of dollars in repairs because you didn’t tell your car insurance company that you used the vehicle every Monday, Wednesday and Friday to run lab specimens all over town and you got in an accident out on the highway.

There are more benefits to being covered by a commercial policy than actually getting your claims paid, although that’s important too. Commercial insurance policies usually have a higher liability limit than a regular policy, which is great news when you’re driving around with a truck full of equipment, and if one of your employees needs to use a company vehicle they’ll be covered under the insurance policy too. Most importantly, picking up a specialized commercial car insurance policy is considerably nicer on your business budget than trying to include your company vehicles with your personal coverage.

Purchasing commercial car insurance in Alabama is similar to purchasing your individual auto insurance. You will want to save money but get quality customer service, so you will want to get several quotes to compare prices and levels of coverage.

Know what your budget is, so that you know how much coverage you can afford. Also, check into your commercial car insurance provider to make sure they are financially sound. You can go to A.M. Best, Fitch, or standard and poorís for financial ratings. Also, ask other business owners and mechanics for recommendations. You want to save money, but you also want to get the best coverage, too.

Commercial car insurance in Alabama is not necessarily a place to skimp on your business expenses. If you or any of your employees drive for your business, either as part of your services or to run errands, they are most likely not covered under your individual insurance policy. Obtaining a commercial car insurance policy offers you and your business protection in case anyone is involved in an incident while on the job.

At Car Insurance Quotes Alabama, you can get good deals on commercial and personal insurance.  Just fill in your zip code above, and get started today!