Get the Right Commercial Auto Insurance for Your Business
Affordable Commercial Auto Insurance
The cars, delivery vans, and trucks you use for business need to be protected. You can get the most affordable commercial auto insurance policy from L.A. Insurance. We cover accident-related costs and losses. Protect your business cars with our low down payments and flexible monthly payments. Get a free commercial auto insurance quote online right away.
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Cheap Commercial Auto Insurance, Customized for You
At L.A. Insurance, we offer affordable commercial auto insurance customized for you. We can help you if you're a small business owner with a single delivery van or a large company with a fleet of cars. Our business car insurance lets you make your own plans. We ensure you only pay for the coverage you want. Whether that's just liability insurance for a small sedan or full coverage for a commercial truck. Get your free business car insurance quote today from the best commercial auto insurance provider.
Our Commercial Auto Insurance Coverage Options
L.A. Insurance offers quality automobile insurance coverage options for businesses that protect you and your vehicles from every possible damage.
Comprehensive Coverage Option
Comprehensive coverage for commercial car insurance offers protection against damages not caused by collision. This includes incidents like theft, vandalism, fire, or natural disasters. For instance, if a delivery van owned by a business is vandalized overnight, comprehensive coverage would cover the cost of repairs. L.A. Insurance ensures all your business vehicles are safe and financially protected.
Auto Accident Liability Coverage
For those who are at fault in an accident, L.A. Insurance's auto accident liability coverage will protect your finances. Let's say you run a small delivery service and one of your drivers hits another car from behind. When you have auto accident liability coverage, we pay for the other driver's medical bills and car repairs up to the insurance limits. That's how we keep you safe from financial insecurity.
Collision Coverage
When you buy commercial auto insurance for your small business, it's wise to add collision coverage. Collision coverage from L.A. Insurance protects your car no matter who is at fault. Suppose you run a small business and have a fleet of delivery cars. While making a delivery, one of your drivers hits a pole by mistake. This is when we pay the costs of repairing the damage to your business cars.
Medical Payment Coverage
Medical payment coverage aka MedPay, is a part of commercial automobile insurance. If you get into a car accident and need medical bills, this policy will pay for them, no matter who was at fault. If a delivery car driver gets hurt in an accident, MedPay could pay for their medical bills and the cost of rehabilitation. Make sure your commercial car drivers are financially safe with L.A. Insurance.
Property Damage Liability Coverage
Another important coverage choice that L.A. Insurance provides is property damage liability protection. In case of an accident, it pays the cost of damaging someone else's property. For example, this coverage would help pay for the costs of fixing or replacing a company truck that damages someone else's car or fence in an accident or collision. Get your free commercial car insurance quote online
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage protects our policyholders if they’re involved in an accident with another driver who lacks insurance and doesn’t have sufficient coverage to fully cover the damages. If a business car is hit by an uninsured driver, causing injuries and damage, this coverage pays for medical bills and vehicle repairs. So, with L.A. Insurance, you’ll be at ease in such a situation.
Types of Vehicles We Cover Under Commercial Auto Insurance Policy
Not every car is the same. Some are expensive and some might not. But L.A. Insurance takes care of everything. When it comes to getting you the cheapest commercial auto insurance, we cover the following types of vehicles:
- Delivery Vans: If you’re running a small local delivery service or managing a large logistics operation, we’re here for you. From compact vans to larger cargo vans, we protect it for you.
- Trucks: Does your company use trucks for transportation, construction, or other business tasks? Not a problem! We deal with all kinds of trucks, from light-duty pickups to heavy-duty semis.
- Vehicles for Hire: If your business involves transporting passengers or goods for hire, such as taxis, limousines, or rideshare vehicles, our low-cost commercial vehicle insurance policies can meet your needs.
- Utility Vehicles: From landscaping companies to utility service providers, our insurance coverage extends to include utility vehicles such as pickup trucks, service vans, and special equipment vehicles.
What Isn’t Covered by Commercial Vehicle Insurance Policy?
Although L.A. Insurance provides broad coverage for various risks associated with business vehicles, there are certain exclusions as well. Here are some situations where we don’t provide protection:
Personal Use
Our auto insurance for commercial vehicles only covers cars that are used for business purposes. Personal use of these vehicles will not be covered. You should get personal car insurance policies instead.
Intentional Acts
Our business vehicle insurance policy does not cover damage or accidents that were done on purpose by the insured party. So, if this is the case, we won’t pay any compensation for the damage.
Employee Personal Property
If any personal belongings of employees are stored in the vehicle, we don’t typically cover them under our commercial car insurance policy.
Non-Owned Vehicles
Employee-owned cars that are used for business will not be covered. When employees use their own cars for work, they may need hired and non-owned auto insurance to protect them from liability.
Factors that Affect Your Commercial Auto Insurance Rates
To get the cheapest commercial auto insurance, you need to know what makes the prices of commercial auto insurance go up and down. Here are the key factors that impact the cost of commercial auto insurance:
- Driving Records: The driving history of employees operating the vehicles affects the cost of commercial auto insurance. Clean driving records typically lead to lower premiums.
- Type of Business: Business car insurance rates depend on the type of business you run. A construction business that uses heavy-duty trucks pays more than a small consulting firm that only uses cars for short trips.
- Vehicle Type: The type and value of the vehicles also affect the premiums. Expensive vehicles have higher insurance costs.
- Fleet Size: The number of vehicles in your fleet impacts the commercial insurance rates as well.
- Deductible Amount: When it comes to commercial car insurance, higher deductibles generally mean lower rates.
- Radius of Operations: Vehicles that go longer routes or cross state lines may have to pay more for commercial vehicle insurance.
Tips to Get Low-Cost Commercial Vehicle Insurance
Secure affordable commercial auto insurance for managing your business expenses. Here are some tips to help you get the best rates:
- Compare Quotes: Get commercial auto insurance quotes from different insurers to find the most competitive rates.
- Maintain Good Driving Records: To get lower insurance rates, as a business owner you should make sure that all of your drivers have a clean driving record.
- Choose the Right Coverage: Pick the coverage that meets your needs and doesn't come with extras that you don't need.
- Increase Deductibles: Opt. for higher deductibles to lower your premium costs.
Looking for an Affordable Commercial Auto Insurance Quote?
What Information Is Required to Get a Commercial Auto Insurance Quote?
- General Information: Policy Effective Date.
- Business Owner Information: Full Name, Date of Birth, Address, Contact Details, Social Security Number.
- About Your Business: Federal ID #, Receipts, Web Address, Year Business Started, Entity Type (LLC, Sole Proprietorship, Partnership, S Corp, C Corp, etc.), Number of Employees.
Why Choose Us for Your Commercial Auto Insurance?
Affordable Solutions
L.A. Insurance understands that keeping costs down is the core purpose of businesses. That's why we offer some of the most affordable commercial auto insurance. Our flexible payment plans, which include low down payments and low monthly installments, make it easier for businesses to get the coverage they need.
Local Presence and Personalized Services
We provide personalized services. Many larger, more general insurers might not be able to do that. We have a strong local presence in many regions. So, naturally, we have acquired a deeper understanding of the local community. So, it makes sense that we can serve you better.
Quick and Convenient Process
For businesses, time is money! At L.A. Insurance, we prioritize quick estimates and binding times. This means that your commercial auto insurance starts right away after you first. Thus, it enables you to get your cars on the road more quickly. Our efficient process means less downtime for your business and more time focusing on what you do best.
Expertise with High-Risk Drivers
It's okay if your company hires drivers whose driving records aren't perfect. L.A. Insurance has been in the insurance business for more than 30 years. We can give high-risk drivers the coverage they want. Whether it's for traffic tickets, crashes, or a DUI, we know how to help people with their insurance issues that other companies might not be able to.
Easy Claim Process
We know how stressful it can be to deal with your commercial auto insurance claim. Because of this, we've made the claim process as simple as possible to make it quick and easy. If you have an accident, please call us to file a claim. Our claims team will be there for you every step of the way.
24/7 Customer Support
Emergencies don't follow work hours, and neither do we. You can reach us at any time, day or night, thanks to our customer service that's open 24/7. If you need to report a claim or require instant help, our support team is always available. Now you know that help is only a phone call away, so you can be at ease!
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Commercial Auto Insurance: Get the Answers You’re Looking for
Who Needs Commercial Auto Insurance?
Everyone in the US except Virginia and New Hampshire needs to insure the cars they own for businesses. If we put it simply, companies that use cars for business operations need commercial automobile insurance. This includes delivery trucks, service vans, construction companies, and any other business that transports goods or employees. Our cheap commercial auto insurance protects these companies from liability, property damage, personal injuries, and medical bills that come up because of accidents.
How Can I Get Affordable Commercial Auto Insurance Quote?
Getting a commercial vehicle insurance quote is an easy process. You can get a low-cost commercial auto insurance quote from L.A. Insurance by filling out a simple form. When you first sign up, all you have to do is give your name, address, and date of birth. Then you'll have to put in information about the drivers, like their names, ages, and driving records, as well as information about the coverage you need and your insurance history. That's all! Just send in the form. One of our local insurance agents will let you know your commercial auto insurance price or anything else you need. You can also get your business vehicle insurance quote by calling us at (888)-500-6065.
What is the Difference Between Personal and Commercial Auto Insurance?
Personal auto insurance covers vehicles used for personal activities like commuting or running errands. On the other hand, commercial auto insurance is needed for small business owners and workers who use their own cars for work, like going to job sites, transporting equipment, or delivering goods. Personal car insurance policies usually don't allow business use. In other words, you wouldn't be covered if you were involved in an accident while going to work. In fact, commercial car insurance fills this gap by covering risks that are specific to businesses.
Can I Add New Vehicles to My Small Business Auto Insurance Policy?
Yes, you can add new vehicles to your small business auto insurance policy. Simply contact your commercial auto insurance agent with the details of the new vehicle including its make, model, year, and vehicle identification number (VIN). Your agent will help you update your policy. You can also call our toll-free call center at (888)-500-6065 to learn more details about it.
What Should I Do If I Need to File a Claim for My Commercial Car Insurance Policy?
Contact your agent first if you need to file a claim with L.A. Insurance for your commercial vehicle insurance policy. Provide all the essential information. It’s better to have your policy number, incident details, and other supporting documents ready. Our local insurance agent will guide you through the process of filing the claim. Lastly, stay in touch with your agent for updates and further instructions.
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