Learn How You Can Get The Most Accurate Commercial Car insurance quotes Or Truck Insurance Quote.
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As you may already know, when attempting to compare your current policy or to start a new one, please be prepared for the many necessary details your commercial insurance broker will need to get from you when setting up a commercial car or truck insurance quote for your business. If you know what they need then you will not be frustrated thinking that quotes will be lightning fast. Gather your information to make sure you’re prepared.
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Make A Copy Of Your current policy for easy reference.
Make a copy of the your current and past three years declaration pages from your policy. Almost every agent will need this information to determine what insurance you need, and how your quotes can be customized to meet your business needs.
Have each person that works for you, or the one’s that drive your company vehicles, go to the DMV office and obtain a drivers history abstract. All insurance companies will need this information for each person. You need this to make sure that your policy is not charged for the wrong points or violations. This information should always be kept confidential. You should always find out what it will cost to add a drivers before actually adding them to your policy. A few minor moving violations or an at fault accident could raise your rates considerably.
Your Prior and Current Loss history
Contact each insurance company that you have had for the last 5 years and request a loss history report. They are required to provide this information. These reports will list any and all claims you have made in the past five years. This will enable you be sure that you are not charged for accidents that you shouldn’t be charged for.
How get a lower commercial car or truck insurance quotes
Most commercial insurance companies offer discounts that could save you money. Consider these money saving factors when obtaining your commercial vehicle quote.
- Discounts may be applied if your business has not filed a claim for a serious loss in at least three years.
- If you can provide proof of continuous insurance, this is where the declarations page of your current policy, and former ones could help lower your premiums.
If your current policy declarations page/s doesn’t already include this information, make a list of every vehicle to be insured on the commercial auto insurance policy, including:
- Cost new
- Gross vehicle weight
- Current mileage
- The Vehicle Identification Number (VIN)
For each of your drivers, include on your list of drivers:
- The Legal name
- Complete Date of birth (DOB)
- Social Security number (SSN)
- Driver’s license number
Learn more about insurance to help you run your business at iii.org.