The fact that you have a car means that you need to buy car insurance for it. If you are using it for commercial purposes then you need to buy commercial insurance for cars. A personal auto insurance policy will deny coverage if your car is used for commercial purposes since they will generally cover only what the car is regularly used for such as traveling from work or leisure purposes. As business owner, this exposes you to serious financial losses should the car be involved in an accident.
Car insurance, Austin TX for a commercial car will cover repair or replacement of a vehicle that has been damaged in an accident. It will also shoulder the cost of any claims for injury or when a third party files for damage to property. There are three kinds of insurance that you can get for your car in these circumstances. These are private, sporadic and business cover. These cover the intermittent use of the car for commercial purposes provided the car is registered for business purposes and does not represent an integral part of your business income. Private and business use covers customary use of the car for commercial purposes by the regular driver or any driver that has been named.
Commercial coverage on the other hand provides coverage where the named driver uses his or her personal vehicle as part of their work. From the above, you have to apply for the particular type of cover that you need. In case your staff uses their own cars in their work, you can take the non-owned auto policies. This car insurance provides coverage whenever a business uses a vehicle that is not in its name and this can include the personal car belonging to the business owner.
If you want to get car insurance, Austin TX in the simplest way, simply go to the insurer’s official site. Go prepared with all the required information such as each named driver’s license number and their driving history, vehicle registration number, make and model. Get quotes from at least three car insurance providers so that you can be able to evaluate rates and other features to get your money’s worth.
There are ways that you can use to save money on your commercial insurance. One of them is to a regular buyer of this type of car insurance, Austin TX which might qualify you for a discount. You can also get discounts by making sure you vehicle has safety features such as automatic seat belts, anti-theft devices such as car alarms. If you are considering buying a car, get a make and model of vehicle that will not attract high premiums by insurers.
Visit http://www.statefarm.com/agent/US/TX/Austin/Patric-Court-9PM555T7WAK to find out more about car insurance in Austin at TX quotes and the best way of getting insurance cover that works well for your case.