Commercial auto insurance is an obvious necessity for any company that uses a fleet of cars for business operations. If you run such a company in Calgary, looking for an experienced, reputable insurance broker is very important in order to get comprehensive commercial Calgary auto insurance at an affordable rate. Before accepting a certain offer, consider that brokers have access to a number of lender and deliberate a series of circumstances when calculating insurance premiums.
Calgary Auto Insurance: How to Obtain a Low Rate
The following points reveal a few tips to follow in order to get a low commercial insurance rate without reducing coverage.
* Check Driving Records: It may be wise to check the driving records of any employee who may operate a company vehicle in order to get an idea of their history behind the wheel. Remember that is they are in an accident while driving one of your company cars it will reflect badly on you insurance...not theirs.
* Think Safety First: Calgary auto insurance premiums depend on risk. You will likely be offered a low insurance rate if you can prove that your cars are safe to drive and your employees have been especially trained to operate certain types of vehicles. In addition, you can complement your vehicles with different safety features, such as anti-theft alarms, anti-lock brakes, airbags, laminated windshields and padded dashboards.
* Raise Deductibles: Deductibles have a great influence on insurance premium. If you can afford it, raise your deductibles. Since this will reduce your coverage limit, it can help you get a much lower insurance rate. Before doing this, it's advisable to consider the worst that could happen and put the funds away. Doing this can help you maintain your financial health if a major accident occurs.
* Prove Loyalty: Loyalty is very important when you try to obtain a low Calgary auto insurance rate. Most insurers offer lower rates to the customers who continue to choose their products and services. If you also choose personal insurance in addition to commercial auto and property insurance, you can get a really good discount.
* Ask for Discounts: Although your insurance broker should offer you a discount for policy renewal if you've had no traffic violations, it's always a good idea to double check whether or not you are entitled to receive a discounted rate. If you have different insurance policies and have never filed a claim, your insurer will probably offer you a lower commercial Calgary auto insurance premium.
* Review Your Policy: Before renewing your current insurance policy, it's imperative to review the terms and conditions included. If you have modified your fleet in any way, you should discuss this aspect with your broker and ask him or her to offer you insurance coverage according to your current business needs.
Are you searching for comprehensive commercial auto insurance coverage at a rate you can afford? If yes, approach us at Lane's Insurance. Our brokers are ready to help you get the best insurance rate available on the market. Lane's is a customer oriented, matter-of-fact insurance brokerage that believes customer service is still important to people.
