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Compare Cheap Car Insurance Quotes for Business Use
With more and more categories of insurance popping up today, different drivers are bound to have their different needs met. If you are a person who uses your car for work purposes, then you need to have more than just regular insurance. You need business car insurance to cover you from those extra risks that go along with driving for work. There is specially designed insurance for you, so don’t hesitate to give the market a look and discover what it has in store for you. A quick comparison will bring up many different options to help you save money on the right policy.
The different types of business car insurance
Business insurance coverage is more complicated than can be summed up with one type of policy. In fact, there are many different types of coverage that you can get depending upon your needs. Here are some of the different options to consider when you have to drive for work.
Occasional business use insurance
This is insurance for people and their spouses who have to drive occasionally for work. This insurance that is not gotten by a company, but is held by an individual. This is a good policy type for a person who doesn’t use their vehicle primarily for work, but who uses it every so often. This insurance is less costly than other forms of business cheap car insurance, but it does come with certain restrictions that you need to keep in mind.
Private and business use policies
These are those policies that generally cover the same things as an occasional business policy, but they are designed for people who use their car primarily in business. These are policies that can be taken out by a business and they can be used to cover any driver who drives the business’s vehicle. These are good policies to have for business owners who depend upon their people to hit the road at least a little bit. They present a slightly higher cost, but provide more coverage, as well.
Commercial traveling policies
These policies provide car insurance for people who drive for a living. If you are a traveling salesman or you are some form of driver for the company, then this is the kind of insurance coverage that you need. Not too many people in the company fall under this umbrella, so it is important to draw the distinction between business use policies and commercial traveling policies.
Getting better rates with a mileage limit
As a business person, you probably have the ability to estimate how much driving will be done in the company car. Keeping good records on this from year to year will allow you to make better judgments. If you are willing to agree to a mileage limit, then you can come away with much better rates in the end. A smart business owner will look into this, but don’t try to lie about the miles. This is a form of insurance fraud and the insurance company will not take kindly to you engaging in this practice.
A safe car and a safe location
As a business owner, you have to do the things necessary to keep your rates down. While doing a compare car insurance comparison or using a car insurance supermarket might give you a fighting chance, you won’t get the best rates unless you are willing to go the extra mile. Getting safe vehicles for your employees to drive is a good start, and parking those vehicles in a safe, secured area is another step to take. If you do these things, your business car insurance quotes will go down.