Every business has a budget. Just because you may be trying to contribute as much to the bottom line is possible is no reason to leave your business unprotected. You need to have quality commercial auto insurance, and there are various tips to help you get an affordable policy. This will make it easier to protect your business and all of your commercial vehicles throughout the year.

PLACE ALL VEHICLES ON ONE POLICY

When it comes to commercial auto insurance in Ponte Vedra Beach, it is very similar to personal insurance. Just as you would put all of the vehicles within your household on one policy, you want to do the same for your business. Otherwise, you could be paying a significantly more amount of money.

This means that when you are ready to ensure all of your vehicles, or simply explore a better policy, have all of the vehicles identified. Have the VIN numbers, the number of drivers, and every other detail available so that you can begin to compare rates.

DON'T HESITATE TO ADD COVERAGE

The goal may be to have affordable commercial auto insurance, though you may actually want to spend a little bit more on premiums so that you can add better coverage. This way, if there is any kind of damage to the vehicle, even if it was not involved in a fender bender, you can turn to the insurance company and file a claim. Without spending the extra money on coverage, you may be spending a whole lot more out-of-pocket in order to pay for damages that are covered by the insurance.

COMPARE POLICIES

There are many insurance companies that will write auto insurance policies in the state of Florida. Not all of them offer the same policies or the same premiums. This means that it is going to require you to do a little bit of homework. Work with an independent insurance agent so that you can get quotes and compare policies without having to do all of the work on your own.

EXPLORE DISCOUNTS

You may qualify for all sorts of different discounts. This includes multiple vehicle and multiple driver discounts, as well as affiliations and organizations that you may be a member of. Don’t be afraid to ask for a discount when you are working with an insurance company. Further, find out what discounts they do offer because it may be worth joining an organization if it will provide you with a substantial discount on your commercial auto insurance.

WORK WITH AN INDEPENDENT INSURANCE AGENT

An independent insurance agent has the ability to save you money and time. Agents are experienced in business insurance and can walk you through the process. They can get the quotes on your behalf so you don’t have to work with all of the individual insurance companies alone. They can also talk to you about the kind of coverage that you want to have on your vehicles as well as what you can expect to pay.