Finding Business Car Insurance Online

Finding business car insurance online not only protects you from bad drivers, uninsured drivers, vandalism, and theft. Comparison shopping is the best way to find business car insurance online.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 25, 2020

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Here's what you need to know...

  • Commercial car insurance is an expense often overlooked by a new business
  • Make sure you purchase enough coverage for your specific needs
  • Fleet insurance could give you a discount if you are using more than three cars under your business insurance
  • Not having business car insurance puts an unnecessary risk on an already shaky new adventure

Finding business car insurance online not only protects you legally; it also protects you from bad drivers, uninsured drivers, vandalism, and theft.

In this day and age where many small business owners are now promoting their company through their vehicle, business car insurance is more important than ever before. Your vehicle represents the professionalism of your company.

You must protect your company’s reputation on and off the road!

There’s no question that starting your own business can be both a nerve-wracking and exciting experience. You make big decisions every day. Your business slowly takes form. You reap the rewards of your hard work. Of course, starting your own business also requires a great deal of effort.

Enter your zip code now and compare online car insurance quotes now!

Business Car Insurance Online: Where to Find Savings

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If you want to make it past that first tough year, you have to be sure that you have all of your expenses planned and income budgeted properly. One often overlooked expense when budgeting for a new business is that of commercial car insurance.

Whether your business is going to have one company car or an entire fleet of vehicles, you need to have some form of business car insurance in effect.

This type of coverage is required by practically every city and state. This doesn’t have to be a major expense, however; there are a variety of ways to save. One way to find a great deal is to look for business car insurance online and compare quotes.

Like with any form of insurance coverage, comparison shopping for car insurance is the key to big savings. Depending on your situation, you can choose from the following options:

The price of your policy will depend on which coverage you require as well as how much money you want to insure your vehicle for; the state’s minimum requirement could be much less than the car’s value.

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Types of Business Car Insurance Online

If you have three or more cars to insure under business insurance, you may actually need fleet insurance. This type of insurance covers all your commercially used cars and vehicles under one easily managed policy.

The main advantage of having fleet insurance rather than having every car used for business insured separately is the opportunity for a discount.

What if you only use one delivery van or a single car for your company transportation? There are still discounts available. The first thing to do is start thinking in terms of prevention.

Look for safety equipment like:

  • Car alarms
  • Anti-theft devices
  • Airbags
  • Anti-lock brakes

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If you have a secure place to keep your company cars when they are not in use, such as a garage with security in place, you will also see a difference in premiums.The size and make of your company car will also play a major factor in price.

Checking with an insurance company before purchasing new company cars is a shrewd idea and will allow you to compare prices on various makes and models.

The way you use the vehicle will also impact your premiums. For example, if you have trucks that are often used for hauling heavy or transporting potentially dangerous materials, or dump trucks, your rates will probably be steep.

If the car is mostly used for attending business meetings or visiting clients then you will probably pay less. However, if you transport high caliber clientele, your rates go up again.

Whatever could cost the insurance company money in a claim will definitely cost you more money in premiums.

Having your employed drivers take a defensive driving course may help you to find a discount. If the company car is used only rarely, then you can ask about low mileage discounts which usually requires fewer than 10,000 driven miles a year.

Minimizing Risk with Business Car Insurance Online

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Just one accident on the road can cost you tens of thousands of dollars, whether for the repairs of your own vehicle or in handling liability for other drivers.

Don’t risk the livelihood of your new business by going without business vehicle insurance.

Get your company car or fleet insured, and enjoy the peace of mind that comes from having coverage. Comparison shopping online and asking about available discounts can help you find the best price possible.

Enter your zip code through our comparison tool and start looking for business car insurance quotes online!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State