subject: Boise Insurance Quote, Insurance For Boise Idaho [print this page] Protect your business in three easy steps
A business is only as safe as the tools it uses. One of the best tools a business can use to protect its assets is commercial auto insurance.
Understanding insurance can be tricky. One of the first steps toward making an informed decision is to understand coverage and service options. Here are three easy steps to help figure out your commercial auto insurance needs:
1. Choose an insurer with the right combination of price and service. Insurance isn't just about price. It's about service, too. How are claims handled? How long will it take to get your vehicle back on the road? Can you get questions answered outside of business hours or online? Know the answers to these questions. Your time is money.
2. Research your policy options. Having the right coverage is important. A standard commercial auto policy generally includes coverage for:
-injuries or damage that you cause;
-your drivers injuries;
-injuries and damages caused by uninsured or underinsured drivers; and
-damage to or theft of your vehicle(s).
When it comes to damage that you cause, you may be required to purchase certain limits based on who you work for. For instance, if you work for certain home builders, you may be required to carry $1 million in liability limits. Consider how much you are willing to pay out of pocket if your liability in an accident is more than your policy limits.
3. Know how the policy is priced. You can control your insurance costs. To get the best rates, run motor vehicle reports on potential drivers. If you let your insurance lapse, you'll probably pay more for your next policy. Ask about discounts, including paid-in-full and renewal discounts.
Just like your customers rely on your professional skills, call a professional independent insurance agent who will be in your corner, researching and recommending the best options.
Shedding Light On Car Insurance Savings
It can be easier than you think to put the brakes on high auto insurance rates as an independent agency, Apollo Insurance can help! We can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:
Ask us to check several companies' rates. This is the single most important thing you can do to get the best possible rate and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars.
'Reduce or drop physical damage coverage on an older car. Depending on your car's age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.
Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium.
Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check.
Don't assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let's talk about it.
