|
Finding a good deal on commercial auto insurance is about
more than finding the lowest rates and more about finding the best all-around
coverage to suit your company's needs.
Understanding what coverages and service options are available
is the first step toward making better, more informed decisions so
that you and your business are properly protected. Here are some
tips from the experts at Progressive to help you find the right coverage,
service and price:
• Know the company you're dealing with and its reputation
for handling claims. Under-stand that you may pay more for cheaper
coverage in the long run if the company lacks experience handling
commercial auto claims. In business, vehicles need to be on the
road or you lose money. Insurance companies that don't specialize
in commercial auto coverage often don't have their own claims representatives
handling the process, so it may take longer to get vehicles back
in service.
• Look for discounts. Before initiating a quote for a policy,
gather your company's loss and financial records. This information
could help you save a lot of money. You may qualify for discounts
if you've carried increased liability limits in the past, if your
employee base consists of experienced drivers or if your company's
credit rating is good.
• Don't let your coverage lapse. Proof of prior insurance is important,
so never let your insurance policy lapse. If you do, you will most
certainly pay more for your next policy.
• Ask for referrals. Find out where colleagues in your business
have found the best coverage and the best service. They may be
able to refer you to an agent or com-any that really understands
your business.
• Check driving records before hiring. If they'll be driving a
company vehicle, be sure to screen the Motor Vehicle Report (MVR)
for every potential hire.
• Update the value of your equipment. If you've added, upgraded
or phased out equipment, you'll want your policy to reflect the
true value of your fleet. This ensures you have adequate coverage
where you need it and that you're not paying for cover-age you
no longer need.
Check the options for managing your policy. See if you can handle
routine tasks online and over the phone instead of having to visit
an agency or mail in forms. It saves time and in business, time
is money.
For more information about commercial auto insurance, visit progressiveagent.com.
Did You Know?
Before initiating a quote for a commercial auto policy, know that
you may qualify for discounts if you've carried increased liability
limits in the past and if your employee base consists of experienced
drivers. To learn more, visit www.e-gia.com or call GIA at 1-888-423-3232 ext 100.
Group Insurance Analysts, Inc, and GIA Risk Management, LLC offer the following types of insurance - Health, Life, Auto, Home, Dental, Medicare, Business, Workers Comp, Pet, Disability, Liability and Property, through insurance companies like Progressive Insurance, Safeco, Travelers, Hartford, Anthem, Aetna, Delta Dental, Cigna, Kaiser, Humana, RMHP, UHC, Kaiser Permenente,Blue Cross & Blue Shield of Colorado, Pacific Specialty, United Fire, Pinnacol and many more.
We provide clients insurance needs in Arvada, Denver, Wheat Ridge, Lakewood, Golden, Boulder, Broomfield, Westminster, Brighton, Aurora, Littleton, Englewood, Parker, Northglenn, Thornton, Longmont, Louisville, Lafayette, Superior, Evergreen, Morrison and throughout Colorado.
|
