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What To Look For When Shopping for Company Auto Insurance - Finnegan Pierson - Blog

What To Look For When Shopping for Company Auto Insurance

Choosing the right vehicle can take a lot of time and research, but driving home in your ideal car provides a great sense of satisfaction. After you choose and buy that perfect vehicles, however, the next step is figuring out what auto insurance policy you should have. The law requires all drivers to carry insurance, so it's not a question of deciding if you should get coverage. The big decisions related to what sort of coverage you should have. There are several things that can affect your decision, such as cost, benefits, and coverage limits. Here are some tips to help you choose insurance that fits your company’s budget, vehicles, and culture.

1. Think Local

While there are several national insurance providers, you may want to consider talking with a local company first. A smaller local insurance firm may be able to offer you customized incentives and affordable rates. Plus, agents are more likely to understand state insurance requirements so they can help you choose the right coverage. When you are shopping for Car Insurance Utah, you can count on a local agent to understand the applicable laws and other things that may influence the cost of your policy.

2. Look for Discounts

Many auto insurance providers offer discounts for businesses like call centers, but you may have to ask your agent some specific questions to learn which ones you qualify for. Some providers may offer low premiums that increase substantially after a claim. Other policies offer "accident forgiveness" that avoids an immediate increase in your rates after a claim. One of these options may work better for your circumstances. For example, if you have a teenager on your policy, choosing accident forgiveness may be best. You may also ask about discounts for military veterans or first responders.

3. Determine How Much Coverage Your Employees Need

In most cases, the law requires you to carry collision insurance that covers damage and medical expenses from an accident when you are at fault. You may choose to stick with a "bare minimum" collision policy if you have an older car or don't drive often. If you have an expensive vehicle, on the other hand, you may want to add comprehensive coverage or uninsured motorist coverage to your policy. These options may significantly reduce the amount you have to pay in the event of an accident that is not your fault. If your car is financed, your lender may have certain insurance requirements.

4. Consider Bundling

If possible, you may want to choose an insurance provider that offers health coverage along with auto policies. Many of these providers offer discounts if you use them for all your insurance needs. You could save a significant amount of money on your premium if you choose the same provider for your home and auto policies. You may also want to talk to your provider about other options that could save you even more, such as insurance for your jewelry, boat or cell phone.

5. Get Rewarded for Your Vehicle's Options

Some of the optional features in your car or truck may be able to save you money on your insurance costs. For example, an insurance provider may give you a discount if your car has daytime running lights or a security system that allows you to track its location. Electric or hybrid vehicles may have different insurance costs than standard gasoline-powered cars.

6. Shop Around

Getting insurance quotes can be a tedious and time-consuming process, so it can be tempting to stick with the same provider and policy for years. However, most experts agree than changing providers every couple of years can save you a substantial amount of money. Many insurance providers offer excellent rates for new customers but don't have many incentives centered on customer loyalty. If you have the time and initiative, changing providers every so often can save you money in the long run.

The right insurance policy should be customized to your company’s budget, vehicles, and culture. Some things to consider when picking a provider and policy are coverage amounts, bundling discounts, and new customer incentives.

Publish Date: November 25, 2019 10:10 PM

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