Commercial Auto Insurance in Irving, TX
Vehicles used for work may often face risks, including accidents and liability claims. Commercial auto insurance is often required to financially protect business vehicles from these and other perils.
Standard coverage may include:
- Liability coverage for bodily injury and property damage to others
- Physical damage coverage for your vehicles (collision and comprehensive)
- Medical payments for drivers and passengers
- Uninsured/underinsured motorist coverage
- Hired and non-owned auto coverage for rented vehicles and employees’ personal vehicles used for business
- Coverage for specialized equipment or permanently attached tools
Who Needs Commercial Auto Insurance?
Businesses that own, lease or use vehicles for work may be required by law to have commercial auto insurance. This includes transporting goods, making service calls or carrying passengers. If personal vehicles are used for business, you may need extra coverage to avoid gaps in your policy.
What Can Affect My Insurance Rates?
Insurers may base your premium on the following factors:
- How and where vehicles are used, plus their type and value
- Your company’s past claims experience
- Motor vehicle records for every covered driver
- The deductible amounts you select
- The limits you set and any optional policy endorsements
Can I Lower My Premium?
You may be able to reduce your costs by:
- Bundling multiple policies with one insurer
- Comparing quotes from several carriers
- Keeping a clean driving record
- Maintaining a strong business credit history
- Having employees complete safety and defensive driving courses
- Using telematics devices that can track vehicle use and driving habits
Your rate may also depend on state regulations and policy conditions.
Learn More
Contact Quality Insurance Services today to get a free custom quote.