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To succeed in business, you need to know how to gamble and take risks. But there are certain aspects of your business that must not be left to chances. Choosing the right commercial auto insurance is one of them. One of the many requirements of starting a business is to have your own means of transportation to save on overhead costs. Getting your business vehicles insured is always a smart business move. Although commercial auto insurance can be quite expensive, there are ways in which you can manage the costs of your insurance premiums.

Cutting Commercial Vehicle Insurance Costs- A lot of times, the rate of auto insurance is dependent upon the driving record of its holder. When you interview potential employees, ask them to provide you with their Motor Vehicle Records so you will know what kind of drivers they are. You may also consider hiring drivers who own a Commercial Driver’s License since they are more experienced and skilled. Presenting their qualifications to the commercial auto insurance company can possibly give you discounts.

- If your commercial auto insurance is about to expire, make sure that you take the necessary steps to continue your coverage. Getting a new insurance policy would probably cost you more since most insurance companies will require you to produce records of your past coverage. Avoiding lapses can ensure that you will be paying a lower rate for your next policy.

- Discounts are fairly common in commercial auto insurance so ask your local agent how to get hold of them. For instance, your company can get discount for paying in full. You can also qualify if your company has been operating for a specified number of years.

- If you have been painstakingly keeping your credit history unblemished, your efforts will certainly pay off when getting a commercial auto insurance. Your credit score can influence the rate of your policy so make sure that you know what insurance companies will look into. Inquire about how insurers establish their rates and what kind of information would make an impact on the price of your premiums.

- To manage your insurance costs more efficiently, choose an insurance company that offers several pay plan options. This is a very important consideration because it allows you to choose a policy that works well with the company’s budget. Avoid an insurance companies that require a steep down payment and/or has finance charges.

Finally, run a regular evaluation of your expenses, including insurance costs, so you will know what’s weighing your business down and you can make the necessary adjustments.

Talk with one of our agents at Claude Reynolds Insurance to find out how much you can save on Louisville commercial vehicle insurance or request a free commercial auto insurance quote from us today!


By Matt Reynolds - Google+
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Claude Reynolds Insurance Agency Inc.
6801 Dixie Hwy Suite 232
Louisville, KY 40258
Phone: 502-933-2255
Fax: 502-933-5057
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Claude Reynolds Insurance Agency Inc. | 6801 Dixie Hwy Suite 232, Louisville, KY 40258 | 502-933-2255
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