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Buying commercial insurance vehicle cover can be a necessity for some peculiar types of businesses such as delivery services, limousine services or even restaurants that deliver food at people’s homes. There is certain degree of risks involved in granting coverage particularly when staff members drive cars purchased for business purposes.
Besides, cars owned for business activities are also likely to be used by business owners for some other reasons as well. For example, you can drive your kids to school by using a car that is meant for business use and not just confine its usage to delivery of bakery items!
Thus, before you are out to research various options on insurance for commercial vehicles, you may have to take into account several factors which are likely to affect the affordability of premiums. To that effect, it could be better if you talk to an expert who has knowledge of the subject.
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A number of parameters that can influence premium rates offered for commercial vehicle insurance policies. Some of these may include:
Underwriting requirements are likely to vary from insurer to insurer but driving record is surely one of the factors that is taken into consideration to calculate premiums by majority of the insurers. To that effect, drivers with bad driving records will be charged much higher premiums as the overall risks involved in granting them car coverage could be substantially high.
While majority of the business owners do consider premium rates which are likely to be offered when adding new cars to their existing fleet of vehicles. The level of premiums charged can depend on the type, make and model of car that is being driven. Cheaper old used cars will require less money to insure as compared to new ones.
You can qualify for a multi-car discount by getting two or more business cars insured under one single auto insurance policy. Alternatively, if you think of insuring each car separately, you will end up spending more money. Insurance providers may offer bulk discounts to business owners but any such proposition will also depend on size of car fleet being insured.
It is possible to get an extra discount if you specify to insurer that you will drive fewer miles annually. Most of the insurers usually, agree to provide a discounted package for insuring cars to drivers who drive cars for business purposes within a specified distance for delivery of products or services. Check your eligibility for getting low mileage discount.