How to Choose the Best Commercial Auto Insurance

best commercial auto insurance
best commercial auto insurance

When it comes to choosing a commercial auto insurance policy, it is important to look for companies that offer a range of coverage options. Some of the companies that offer such coverage include Farmers, Nationwide, Allstate, and Progressive. However, you should make sure to read the fine print on each policy to ensure that it offers the right type of coverage for your business. You should also know that you can change your policy at any time without paying a penalty.


If you own a business that has multiple vehicles, then you’ve probably heard of Progressive commercial auto insurance. While all drivers are required to carry the minimum amount of car insurance, Progressive is more than that. The company is the biggest insurer in the United States, and they insure all types of vehicles, including commercial trucks. If you’re a trucker, you’re required to file a claim through them. Usually, you’re used to dealing with your own insurance company. But it’s important to know the company’s capabilities and limitations before choosing their insurance policy.

Commercial auto coverage from Progressive offers a combination of liability, medical payments, uninsured motorist, and a variety of other types of coverage. Other options include hired or non-owned auto coverage. They can also adjust your coverage at any time, which is convenient for seasonal or unpredictable businesses. You can also take advantage of discounts offered by Progressive, including for safe driving, autopay, and logging data. For a business owner or trucker who uses a truck to deliver goods, you can save 3% by using this option.

Another key advantage of using Progressive is their 24/7 customer service. The company has live customer support, online and phone service, and their knowledgeable staff focuses on the needs of businesses. In fact, Progressive is ranked as the best commercial auto insurer in the country by SNL Financial. You can shop for the right policy for your business by checking out their website. Please note that discounts and coverages vary by state, so make sure to compare several policies before settling on one.

A commercial auto policy from Progressive will usually cost around $188 per month, and provides liability and physical damage coverage. For businesses that use vehicles for business purposes, a commercial auto policy is crucial. Personal auto insurance is not sufficient for the coverage you need in the event of an accident. For example, delivery drivers will need a different coverage plan than a tow truck. For businesses that use vehicles for a variety of purposes, commercial auto coverage should be customized to meet your needs.


Allstate’s customer service is geared towards small business owners and offers a variety of benefits. For example, its local agents provide a streamlined claims process and a 24 hour claims department. Their coverage options are flexible, allowing you to insure your employees’ personal vehicles or cars rented for short periods of time. In addition to a variety of standard coverage options, Allstate offers a comprehensive list of additional coverage, including rental reimbursement, towing and labor, and sound system protection. Its A+ rating with A.M. Best is an additional indicator of their quality.

Allstate commercial auto insurance also offers many features for small business owners. Comprehensive coverage covers damages caused by natural occurrences, including fire, theft, and vandalism. Liability protection covers damage to property and injuries or death to another party. Additionally, medical payments coverage covers injuries to the driver and passengers in the vehicle. Finally, uninsured and underinsured motorist coverage pays for damages caused by an uninsured or underinsured driver.

A business auto insurance policy is vital to protect company vehicles. Allstate business auto provides quality coverage nationwide, including the ability to adjust limits and deductibles as needed. When purchasing insurance for your business fleet, make sure to check your limits, deductibles, and exclusions so that you’ll never be surprised by an unexpected bill. You’ll be glad you did! Once you’ve decided on your commercial auto insurance policy, there are many benefits to consider.

The cost of business insurance depends on deductibles, coverage limits, and other factors. In addition to these, your insurance coverage may not cover your employees’ personal vehicles. Depending on the amount of coverage you need, it may be more affordable to pay the policy in one lump sum rather than several monthly payments. When you choose to pay your monthly premiums in full, consider purchasing comprehensive coverage for any stolen items. Allstate recommends you choose coverage that is tailored to your company’s needs.


Farmers commercial auto insurance offers an array of features that can benefit business owners. These features include coverage for amounts owed on leases, towing expenses, rental cars and loss of use. It also covers gaps in coverage and covers property and contents. You can choose from several different types of coverage and customize your policy to meet the specific needs of your business. With this insurance, you can drive in comfort, knowing that your vehicle is covered should an accident occur.

Customers generally rate Farmers very well when it comes to customer service and claims handling. Its recent survey results indicate that customers have increased their loyalty to the company after making a claim. In fact, a full 70 percent of consumers rated the company as excellent or very good. And that’s before accounting for the fact that Farmers has received a recent A+ from S&P. Considering these positive feedback, it’s easy to see why businesses love Farmers commercial auto insurance.

A food truck’s truck can be particularly expensive, so having insurance to cover the cost of spoiled food or a food-borne illness outbreak is a smart idea. In addition to offering special coverage for food trucks, Farmers is a financially stable company and an industry innovator. A Farmers agent will work with you to determine the right coverage for your business. You can also make use of a mobile app or additional insurance policies that are designed specifically for food trucks.

If you own a small business, you can save money by getting a telematics device. Telematics technology allows you to monitor your drivers and make adjustments on the go. In addition, Farmers offers a telematics system that uses GPS technology to monitor safe driving habits. It’s a great way to get the best coverage for your business and protect the business owner and employees. Farmers offers commercial auto insurance coverage in every state and has 48,000 agents across the country.


With a simple online application, Nationwide commercial auto insurance is available across a wide range of states. Despite its large size, the company is a top customer service provider with millions in surplus. The company offers a variety of discounts, which may vary by business type. For instance, if you own multiple properties, bundling the policies can save you money. Those in specialized industries should consider purchasing coverage specifically designed for their needs.

Some insurers offer discounts for members of professional associations. Painting and Decorating Contractors of America and Restoration Industry Association are two such organizations. Those who are members of these organizations can usually get a discount for their commercial auto insurance. Agents are generally very candid about any discounts they offer and are very helpful in providing you with all the information you need. Whether you choose to take out a standalone policy or bundle several policies, Nationwide will work with you to find the best value for your business.

Many policies exclude coverage for automobiles owned by others. This means that you cannot drive a friend or family member’s car while under your policy. If the other party’s auto is garaged in a separate state, you should check with your agent for medical payment coverage. In some cases, medical payments coverage is optional. You can request to add medical payments coverage to your commercial auto insurance policy if you are using it for ride-sharing.

Commercial auto insurance from Nationwide has a range of coverage options, including liability and medical payments. It can be tailored for seasonal changes or a particular industry. Progressive also offers specialized commercial auto insurance, which can include coverage for hired vehicles, rental reimbursements, and uninsured motorists. The company is also one of the best in the business. The company also offers discounts for good driving records, autopay, business experience, and full payment.


If you own a business, GEICO commercial auto insurance may be the perfect solution. These policies cover liability, property damage, and injury to others. You can even insure your business’s equipment and vehicles. Geico makes it easy to get a quote online and offers discounts for new customers who bundle their policies. If you have a fleet of vehicles, it can be helpful to get more than one policy, such as liability, property damage, and business interruption coverage.

GEICO is renowned for its fast phone operations, and claims are processed within 15 minutes. It was recently named one of the nation’s most-desired insurers by the Kanbay Research Institute. Geico puts an emphasis on staff training and customer service. The company was founded in 1936 as a company for government employees and soon expanded to include military officers. Today, the company is a part of the Warren Buffett-owned Bershire Hathaway company.

GEICO has been in business since 1936 and has more than one million small business customers. The company’s insurance products and services help SBOs do more business in less time. For example, GEICO’s payroll billing solutions help SBOs keep control of their cash flow, while the company is financially stable with over $32 billion in assets. GEICO also offers customized coverage, which makes it ideal for small businesses.

The basic coverage of Geico auto insurance includes liability for injuries to the driver and passengers. It also covers damage to the car, other vehicles, or property in covered perils. Additionally, employees and family members can be included on the policy. Geico commercial auto insurance policies also automatically cover trailers. You don’t have to pay extra for these additional services if your company owns a fleet of vehicles. You can save money by getting several quotes and comparing them side by side.

Leave a Reply

Your email address will not be published. Required fields are marked *