Compare Commercial Car Insurance: Rates, Discounts, & Requirements [2024]
Commercial car insurance covers businesses using commercial vehicles to transport people or goods. Always shop around with several commercial car insurance companies for the best deal. Below you can learn more about commercial car insurance vs. personal coverage and compare costs from the top companies.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Commercial car insurance allows businesses to cover company vehicles transporting goods and customers
- Business-owned vehicles used primarily for work need commercial car insurance, but you only need a standard policy for personal use
- Compare commercial auto insurance quotes from the top companies to find the best policy for you and your business
Commercial car insurance is vital coverage for large and small businesses. You’ll need to buy this car insurance coverage type if your business uses a car, van, or truck for commercial purposes.
Take care of business by entering your ZIP code and comparing commercial car insurance quotes now.
Commercial Car Insurance Coverage Guidelines
You’ll need to get commercial auto insurance for your business vehicles if you own, rent, or lease them for commercial use, and they get used by more than one driver. If you have many employees using their own cars for commercial business purposes, you’ll need to purchase liability car insurance coverage.
While comparing commercial car insurance quotes and researching different coverage types, there are many things to consider.
Take a look at the table below if you’re having difficulty deciding whether you need commercial car insurance vs. personal coverage:
Personal vs. Commercial Car Insurance Coverage Situations
| Personal Car Insurance Covers You When |
Commercial Car Insurance Covers You When |
|---|---|
| Commuting to your job site. | Driving around to meet clients. |
| Running out to grab pizza for your fellow workers. | Delivering your baked goods to customers. |
| Throwing a box of office supplies in the back of your car. | Regularly using your vehicle to transport tools and equipment to job sites. |
As you can see, you must purchase a commercial car insurance policy when using your vehicle for any business-related activities, such as delivering to customers and transporting passengers.
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Commercial Car Insurance Coverage Types
Various types of commercial car insurance coverage could be beneficial for your business. However, you must weigh the cost of each commercial car insurance policy vs. the benefits.
So, how much car insurance do you need for your business? Before purchasing a commercial car insurance coverage policy, you must ensure the coverage is necessary for you and your business.
Relevant commercial car insurance policies might include liability for each driver. Other commercial car insurance policies might include comprehensive coverage and collision damage for each car used for business purposes.
You could also consider provision coverage for your commercial car insurance policy. With this coverage, your insurer covers any lost goods or inventory, but it only pertains to products associated with your business. Also, the items must have been in the lost car, including any business-related cargo or tools.
Read more: Compare Business Owner Car Insurance Rates
Commercial Car Insurance Add-ons
There are also various commercial auto insurance add-ons for business vehicles. A few of the following commercial auto insurance policies will cost extra:
- Cargo coverage
- Medical payments
- Tool and equipment coverage
- Business interruption coverage
- Crime insurance
- Umbrella coverage
- Rental car reimbursement coverage
As you can tell, you have a lot of decisions to make when it comes to finding the best commercial car insurance companies for your business. Start with a ZIP code and compare cheap commercial car insurance quotes from the best companies.
Frequently Asked Questions
What is commercial car insurance?
Commercial car insurance is coverage for businesses that use vehicles for commercial purposes.
When do I need commercial car insurance?
You need commercial car insurance if you use vehicles for your business, whether owned, rented, or employee-owned.
What factors should I consider when buying commercial car insurance?
Consider coverage types, price, and relevance to your business needs.
What types of coverage are offered in commercial car insurance?
Coverage includes liability, comprehensive, collision, and provision coverage for lost goods.
Are there different policies for different vehicles?
Yes, different policies are available based on vehicle types and classifications.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.