5 Easy Ways To Get Better Rates On Commercial Auto Insurance

If you're a safe driver, it's not hard to pay little more than $100 a month on your personal auto insurance. When it comes to commercial auto insurance, those costs tend to rack up a little faster. 

Fortunately, there are some fairly easy things you can do to bring those premiums down. https://www.nicevilleinsurance.com/commercial_auto/default.aspx

Contact your agent and ask about raising your deductible. Your premium is what you're always going to pay, no matter what. But your deductible is what you might pay once if you have an accident. You don't want a deductible higher than what you can comfortably pay at a moment's notice. But the higher your deductible, the lower your premiums will be.

Keeping business vehicles out on the street or in a driveway is going to raise your rates. If you can store your vehicles in a garage, a carpark or somewhere behind a locked door or gate, you might see an instant change in your premiums.

If you have the money to pay up front — and if you don't think you'll be dropping the policy in less than a year's time — there are no real downsides to paying annually. Just like with buying groceries in bulk, you pay less when you pay for your insurance all at once.

Make a point of checking your drivers' references and driving records. Your insurer will. You can check with the DMV to see who you're hiring.

You might qualify for some pretty generous discounts and bonuses right now. But you could be spending too much, simply because you haven't called your agent to ask them. Besides discounts you already qualify for, you may discover several that you can claim with very little effort. No claims bonuses can be especially helpful. Most commercial auto insurers offer some form of a no claims bonus, but some insurers are a little more generous than others.

Every little bit counts when it comes to saving money on your commercial auto policy, and it's often the small things that make the difference. $50 here, $10 there. By the end of the year you could be saving hundreds.