Zero2Turbo
    Facebook Twitter Instagram
    Facebook Twitter Instagram RSS
    Zero2Turbo
    • Home
    • Contact
    • Videos
      Featured

      Dodge Challenger SRT Demon 170 Revealed With 1.66s 0 to 60 MPH

      By Zero2TurboMarch 22, 2023
      Recent

      Dodge Challenger SRT Demon 170 Revealed With 1.66s 0 to 60 MPH

      March 22, 2023

      3-Year-Old Hits The Track In Dad’s Ferrari SF90 Stradale

      March 16, 2023

      3-Year-Old Boy Parks Ferrari SF90 Using GoPro Live Feed

      March 9, 2023
    • South Africa
    • Zero2Turbo Telegram
    Zero2Turbo
    Home»Zero2Turbo»Commercial Auto Insurance Money Saving Tips
    Zero2Turbo

    Commercial Auto Insurance Money Saving Tips

    By Zero2TurboFebruary 5, 2018Updated:February 14, 2018No Comments
    Facebook Email Twitter LinkedIn Telegram WhatsApp
    Share
    Facebook Email Twitter LinkedIn WhatsApp Telegram

    Insurance, this term is always confusing and especially when it is about commercial auto insurance policy, it is difficult to determine its necessity. Generally, a vehicle used for various tasks such as business, occupation or profession, other than mere commuting means there is a need for a commercial policy. Please note that car insurance rates by state are different.

    You may need to take a commercial policy for your vehicle if:

    • You are using to transport people or good for a fee
    • You use it to conduct some particular service
    • You are hauling considerable tools of weight or towing some trailer for your business
    • You require liability of higher limits owing to your work nature
    • Employees operating the vehicle or in case the ownership is in the partnership or corporation name

    Normally, many business uses are excluded from personal insurance policies, so ensue to have the right commercial auto insurance. Depending on your own business or your employer, there is a need at time for higher liability insurance, so that the coverage is added as add-ons and your business or employees and your vehicle stays fully covered and protected.

    Drivers requiring Commercial Auto Insurance

    Commercial auto insurance is required for work when it is in use of it is operated in business. Commercial vehicles include:  pickup trucks, cars and sports utility vehicles. It branches out to other vehicles that are associated closely with commercial work.

    • Trucks including, but not limited to, catering trucks, bucket trucks, refrigerator trucks, dump trucks and box trucks.
    • Vehicles equipped or operational with work equipment.
    • Utility vans.
    • Taxicabs, Limousines and other livery vehicles.
    • Leased or Rented vehicles
    • Flatbeds
    • Vehicles leased or owned by partnership, a business or corporation

    Precisely, if you use vehicles or even one vehicle for your business or as profession, besides commuting to your workplace, it requires commercial auto insurance.

    Commercial Auto Insurance Cover

    Commercial auto insurance covers the major coverage’s and there are add-ons at higher limits suited for commercial driving such as:

    • Employees that includes fellow employee coverage and there are blanket policies protecting additional people or employees for whom you work as a part of your business.
    • Business that safeguards your assets in a lawsuit event.
    • Equipment that includes goods loading and unloading.

    Commercial Auto Coverage Required

    Generally, the liability insurance of the state requirements must be met and this means it should include the vehicles bodily and property damage coverage. The coverage limits may be higher in commercial auto insurance policy than the regular passenger vehicles insurance.

    Taking a collision and comprehensive coverage allows paying for your vehicle damages even if you are at fault or becoming the victim of events such as fire or bad weather. Apart from these coverage, there are additional auto insurance types where you can stay protected in accidents and it covers the PIP (Personal injury protection) and medical payments, besides emergency roadside insurance.

    Generally, insurance agents concentrate only on one insurance company. However, the brokers show you different providers with a broker fee. You may compare and decide. Shopping for commercial auto insurance is easier with these 2 tips.

    Tip 1
    Consider higher deductible
    In commercial auto insurance coverage such as comprehensive and collision, you need to pay a deductible before receiving compensation. Thus, choose higher deductible to pay, so that you save on premium. Choosing higher deductible implies you are taking the risk of covering your commercial car insurance and covering it yourself.

    Tip 2
    Choose distinct payment option
    The commercial auto insurance companies give good discounts on paying sums up front. It means you pay full commercial insurance premium and get a good discount of nearing 10%. OR you may pay through electronic funds transfer and enjoy savings on administration fees.

    Share. Facebook Email Twitter LinkedIn WhatsApp Telegram
    Previous Article3 Tips For Selling Your Old Car
    Next Article Lister Sold 22 Thunder Models In 24 Hours

    Related Posts

    Ultra-Realistic Red Bull F1 Racing Simulator Will Set You Back Over R2m

    March 23, 2023

    BMW M3 and M4 xDrive Facelift (LCI) Will Reportedly Get Power Hike

    March 23, 2023

    Dodge Challenger SRT Demon 170 Revealed With 1.66s 0 to 60 MPH

    March 22, 2023

    Watch Porsche 911 GT3 RS Take On Lamborghini Huracán Tecnica In Drag Race

    March 22, 2023

    Untouched Ferrari FXX V12 Engine Could Be Yours

    March 22, 2023

    Top Things to Consider When Registering Your Car

    March 21, 2023

    Leave A Reply Cancel Reply

    Popular Posts
    • Dodge Challenger SRT Demon 170 Revealed With 1.66s 0 to 60 MPH
    • Watch Porsche 911 GT3 RS Take On Lamborghini Huracán Tecnica In Drag Race
    • Untouched Ferrari FXX V12 Engine Could Be Yours
    • The Top 8 Ways to Boost Your Car’s Performance for Maximum Power
    • Ferrari Drops Fabric Top Of 612 HP (456 kW) Roma Spider

    Latest Instagram Photos
    • Looks like the new Mercedes-AMG S 63 E PERFORMANCE was spotted testing in South Africa 🇿🇦

That start-up sounds pretty damn promising!

This thing packs a whopping 791 hp (590 kW) and 1,430 Nm of torque.

📌 Graskop, Mpumalanga

🎥 @guylin_
    • Look what’s arrived in South Africa 🇿🇦 

Nothing confirmed by Toyota SA as of yet but here is the 224 kW GR Corolla!

Image source: @average_midship 

#ExoticSpotSA #Zero2Turbo #SouthAfrica #Toyota #GRCorolla
    • We waited a fair bit for the Tiguan R to arrive but that means it has been given enough thought and executed with the sort of German precision that makes us happy to have waited.

As fast SUVs go it’s a cracker, and with a price tag starting from R1,014,900 it is actually decent value in the segment.

It’s fun, aggressive when you want it to be and remarkably civilised when you don’t. Cars like this rarely make sense, but the Tiguan R is one case where that argument starts to change one's mind.

We cannot wait to drive the matching Golf next week!

#ExoticSpotSA #Zero2Turbo #SouthAfrica #Z2TDriven #VolkswagenTiguanR #TiguanR #VWTiguanR
    • The very first SA-spec BMW M2 snapped at BMW HQ in Midrand.

Zandvoort Blue would not be our choice but the looks have certainly grown on us. What about all of you?

Shots via @projectthart 

#ExoticSpotSA #Zero2Turbo #SouthAfrica #BMWM2 #NewM2 #ZandvoortBlue
    • If you’re expecting a faster, angrier and more focused version of the original 86, you’re going to be happy with this car.

Toyota finally gave the 86 more power. It’s not take-your-breath-away power, but again, it’s not made to win drag races. If you want more power, get a Supra.

Sure it is a bit more pricey this time around but it is a no-regrets kind of car that you will enjoy just as much today as 10 years from now.

Long live the manual transmission, especially when it’s packaged within something as fun as the Toyota GR86.

#ExoticSpotSA #Zero2Turbo #SouthAfrica #Z2TDriven #ToyotaGR86 #GR86 #Anime #InitialD
    • Stunning Jaguar F-Type Project 7 spotted in sunny Cape Town yesterday by @ryan_6r 😎

Just 5 of these made their way into SA making this quite a rare sighting!

#ExoticSpotSA #Zero2Turbo #SouthAfrica #Jaguar #FTypeProject7 #Project7 #JaguarFType #CapeTown

    Follow Us

    Facebook Twitter Instagram YouTube RSS
    Designed by Zero2Turbo.

    Type above and press Enter to search. Press Esc to cancel.