Insurance Articles by A-1 Auto Insurance
How to Obtain Affordable Business Auto Insurance
You need to consider many factors if you want to pay less for your business auto insurance. The rate you end up paying depends on your driving record, the particular insurance provider you end up selecting and the type of vehicle you drive. By reviewing the following tips, you can save more when you purchase business auto insurance.
Compare Prices at Various Insurance Providers for Business Auto Insurance
The fact that most insurance companies currently provide their rates and insurance details online makes it much easier to obtain rate quotes from different insurance providers. According to the Insurance Information Institute, you should obtain a minimum of three quotes before deciding who to choose for your business auto insurance.
You can phone or email an insurance company or obtain an online auto insurance quote from a company’s website. Your state insurance department may even provide helpful charts that compare auto insurance from various providers. Remember to look at different types of insurance providers when you are comparing rates. Certain companies sell insurance via independent agents who provide policies from different insurance companies, whereas others use their own agents to sell auto insurance policies. Nowadays, you can even purchase business auto insurance via the telephone or online.
However, you need to consider more than merely the price of business auto insurance. You want to deal with a reliable and affordable insurance company that is willing to answer any of your questions quickly and honestly. You also need to find an insurance company that will be able to handle any possible claims fairly and promptly. Don’t forget to ask your family and friends about insurance companies they use or consult reviews in consumer magazines. Another option when you are comparing rate quotes is to consult your state insurance department to obtain consumer complaint ratios for any prospective insurance providers.
Review Insurance Rates Before You Purchase Your Vehicle
Most people tend to investigate their insurance rates after they buy their car. However, the rate of your business auto insurance will vary greatly depending on your make and model of vehicle. Insurance providers factor in repair costs, the possibility of theft, sticker price and overall safety record when they determine rates for auto insurance. Therefore, you may end up saving a lot of money on business auto insurance if you purchase a vehicle that offers a high safety record and low theft rate.
Choose One Insurance Provider for your Auto & Home Insurance
Many insurance companies will offer you a discount for purchasing more than one type of insurance; this is called a multi-policy discount, and it can save you a lot of money every year. You can also save money if you insure multiple vehicles with the same insurance provider. Last but not least, many insurance companies offer lower premiums for long-term customers.
Investigate Safe Driver & Low Mileage Discounts
Many insurance companies offer customers a low-mileage discount if the number of annual miles they drive is lower than average. Choosing to carpool may be one option to help you achieve the low-mileage discount. Remember to inquire about any safe driver discounts. Insurance providers will usually reward drivers who have not suffered any moving violations or accidents within a certain timeframe with lower rates. Completing a defensive driving course may also earn you a lower price for your business auto insurance.
Ask your employer if they cover any business auto insurance. You may also be a member of a business association or professional group that is willing to cover all or part of your business auto insurance premiums. Take note that your credit rating also affects the rate you end up paying for auto insurance. Therefore, be sure to monitor your rating closely and review your credit report each year to ensure the document contains no errors.
Choose a Higher Deductible for your Business Auto Insurance
Another way to reduce the price of your business auto insurance is to request a higher deductible. In fact, you can end up saving as much as 15-30 percent on your comprehensive and collision coverage by increasing your deductible from $200 to $500. Further increasing your deductible to $1,000 can save you as much as 40 percent or even higher! If you’re able to afford the higher deductible if you do end up having to file a claim, you can save a lot each year.
|
|
What is homeowners insurance?
Why do you need health insurance?
Why do you need life insurance?
How Does Your Credit Score Affect Your Insurance Rates
Why You Need to Report That Accident
How to Collect on an Insurance Claim
How to Prevent Vehicle Theft
What to Do If Your Vehicle Is Stolen
Obtaining Affordable Auto Insurance If You Have a High Credit Score
How to Obtain Affordable Business Auto Insurance
Factors That Affect the Cost of Liability Auto Insurance
How to Avoid Driver Distractions
Resisting Road Rage
Qualifying for Military Auto Insurance Discounts
Obtaining Auto Insurance for an Out of State Move
Obtaining Teen Auto Insurance
How to Lower Your Auto Insurance Rates
Avoiding the Temptation to Drink & Drive
Submitting a False Insurance Application
All About Assigned Risk Insurance
Don’t Rely Solely On Price When It Comes To Auto Insurance
How to Avoid Insurance Fraud
What You Need To Know About First Time Driver Auto Insurance
The Top Ten Steps to Avoid Insurance Fraud
How to Obtain DWI Auto Insurance
Save Money by Changing Your Auto Insurance
Insurance Tips
All About High Risk Auto Insurance
SR22 Insurance
International Auto Insurance
How to Obtain Auto Insurance with A DUI
Obtaining Auto Insurance For Hard to Insure Vehicles
Components of Auto Insurance
Obtaining an Auto Insurance Student Discount
State Auto Insurance Minimums
MINIMUM STATE AUTO INSURANCE REQUIREMENTS
Car Insurance for Female Drivers
Purchasing Direct Auto Insurance
What You Need to Know About Family Car Insurance
How to Obtain Affordable Car Insurance after a Divorce
When You Should Disable Airbags
Car Accidents Often Occur Very Close to Home
All About Personal Injury Protection
Do You Need Small Business Car Insurance
Discover the Facts About Safe Car Insurance
The Limitations of Auto Insurance
No Credit Check Car Insurance
Insurance Policy Cancellations
What You Need to Know About Short-Term Car Insurance
Reviewing Auto Insurance Rates in Various States
All About Classic Car Insurance
Obtaining Seniors Auto Insurance
How Cell Phones Affect Car Insurance
Temporary Auto Insurance
Finding an Affordable Auto Insurance Policy
Learning More About Gap Car Insurance
Comparing Vintage & Regular Auto Insurance
Discover the Facts About No Fault Auto Insurance
The Facts About Commercial Auto Insurance
Everything You Wanted to Know About Term Life Insurance, But Were Afraid to Ask...
Think Your Lifestyle Has No Effect On Life Insurance Rates – Well, Think Again!
Discover the Various Types of Life Insurance
Useful Tips for Purchasing Life Insurance
Protect Your Small Business With Term Life Insurance
Purchasing Life Insurance Coverage For Your Children
When Should You Opt for Term Life Insurance?
What to Do If You Lose Your Life Insurance Policy
The History of Whole Life Insurance
The Main Differences Between Term Life & Whole Life Insurance
Whole Life Insurance Glossary
What You Need to Know About Variable Life Insurance
Learn More About the Different Types of Whole Life Insurance
Purchase Life Insurance Before It’s Too Late: Discover Why You Should Act NOW!
Insuring Your Spouse with A Life Insurance Policy
Discover the Many Benefits of Life Insurance
Everything You Wanted to Know About Universal Life Insurance
Discover the Facts About Term Life Insurance
The Advantages of Purchasing Whole Life Insurance
10 Important Facts About Purchasing Life Insurance: Discover the Secrets…
Save Money By Comparing Term Life Insurance Quotes
Discover Where to Obtain Whole Life Insurance
Return of Premium Term Life Insurance is Making A Comeback
What You Need to Know About Key Man Life Insurance
The Many Functions of Whole Life Insurance: Why You Should Consider It
The Benefits of Buying Term Life Insurance Online
Should You Combine Term Life & Whole Life Insurance?
How to Select A Beneficiary
The Dangers of Letting Your Life Insurance Policy Lapse
What You Need to Know About Mortgage Life Insurance
Discover How to Obtain Affordable Life Insurance… Even If You Are Over 50
The Benefits of Joint Term Life Insurance
Choosing Life Insurance to Accommodate Your Changing Needs
Purchasing Life Insurance for Newlyweds
All About Fixed Term Life Insurance
What Women Need to Know About Purchasing Life Insurance
The Importance of Life Insurance For Young Individuals
Permanent Life Insurance or Term Life Insurance: Which One is Right For You?
Are You Aware of Additional Life Insurance Options?
Learn More About Rider Benefits
How to Save Money When Buying Term Life Coverage
Choosing Between Term Life & Whole Life Insurance If You’re A Young Adult
What You Need to Know About Short-Term Life Insurance
Do You Actually Need Life Insurance… Read On to Find Out!
How Life Insurance Can Protect You When You Purchase A House
Discover the Flexibility of Whole Life Insurance!
Should You Switch to A Whole Life Insurance Policy?
Wonder How Insurance Companies Calculate Your Premiums?
Do Something Positive For Your Health & Your Pocketbook & Quit Smoking
Deciding Between Whole Life & Term Life Insurance Once You Retire
How to Obtain Life Insurance Coverage If You Have A Medical Condition
The Importance of Key Person Life Insurance
Discover the Premium Payment Options for Whole Life Insurance
How Can A Life Insurance Policy Protect Your Loved Ones?
Discover Why You Should Purchase Life Insurance NOW!
Why Is Return of Premium Life Insurance Increasing in Popularity?
How to Find A Reputable Life Insurance Agent
Using a Life Insurance Policy to Pay off Your Home
The Basics of Life Insurance
How to Protect Your Family with a Life Insurance Policy
Discover the Facts About Child Life Insurance
Weighing the Advantages of a 5 and 10-Year
Term Life Insurance Policy
The Many Benefits of Term Life Insurance
Should You Buy A Whole Life or Term Life Insurance Policy
If You’re Single?
Deciding Which Whole Life Policy Best Meets Your Needs
Discover the Security of Term Life Insurance
When Should You Update Your Life Insurance Policy?
Determining How Much Life Insurance Coverage to Purchase
Term Life Insurance: One of the Most Affordable Options
Benefits of Offering Group Life Insurance to Your Employees
The Importance of Life Insurance for Stay-At-Home Parents
How to Simplify the Process of Comparing Life Insurance Rates
The Importance of Selecting Your Life Insurance Beneficiary
Deciding on Term Life or Mortgage Insurance
How Are Life Insurance & Health Insurance Rates Determined?
Preparing Your Family Members So They Know How to Collect Life Insurance Death Benefits
Do You Know What Your Life Insurance Coverage Includes?
Learn More About Joint Term Life Insurance Learn More About Joint Term Life Insurance
Why You Should Consider Whole Life Insurance If You’re Young
What You Need to Know When Applying For Life Insurance
Purchasing Life Insurance For Married Couples
Whole Life Insurance for Young Children
How To Purchase Life Insurance Without A Medical Exam: Discover the Pros & Cons
When Is Whole Life Insurance Preferable to A Term Life Policy?
Life Insurance: A Great Way to Plan Your Financial Future
5 Ways to Pay Less For Your Insurance Premiums
Looking for the Perfect Gift This Christmas: Choose the Gift of Life Insurance
Buying Whole Life Insurance When You’re Healthy & Young: Discover Why It’s Best Not To Wait
The Pros & Cons of No Examination Life Insurance
Discover 7 Easy Ways to Pay Less for Life Insurance
What You Need to Know Before Purchasing Life Insurance
Term Life Insurance & Buying a House: An Effective Partnership!
Determining the Amount of Term Life Coverage to Purchase
Dealing with Life Insurance Issues When You Divorce
Why Purchase A Term Life Policy?
|