| America is the land of opportunity. Thousands of | | | | coverage. These requirements vary per state so |
| people come to our country for a better life. Some | | | | check with your state's insurance department for a |
| even risk their lives to arrive and face possible | | | | complete list of standards. The commercial insurance |
| deportation if caught. They take these risks because | | | | may be more expensive, but there are ways get |
| of the dream of a stable environment. They are | | | | cheap car insurance for your commercial car. |
| even free to start their own business if so desired. | | | | *Only hire the best drivers. Insist upon drivers license |
| Citizens born and raised here will also strive for years | | | | checks for anyone who may be behind the wheel. |
| to find their financial niche. | | | | Drivers with numerous tickets, accidents or a |
| Every year, small businesses are created across the | | | | combination of both with cause your rates to be high. |
| nation. Vehicles used for business purposes need to | | | | *As with personal vehicles, safety equipment such as |
| be insured as commercial vehicles. Your personal | | | | anti-theft, anti-lock brakes, side impact airbags, etc. |
| vehicle insurance excludes coverage during | | | | will save you money. |
| commercial use of your car or truck. Cheap | | | | *Higher deductibles = lower rates. |
| commercial car insurance is available if you do your | | | | *Late model four door sedans and economy cars are |
| research. The New York auto insurance department | | | | a lot cheaper to insure than sports cars and |
| can assist with this process. | | | | expensive trucks. |
| When a vehicle is used for business purposes, it | | | | *Store location directly affects commercial New York |
| requires special insurance called a commercial or | | | | auto insurance premiums. If possible, choose a |
| business insurance policy. If you tow a commercial | | | | suburban location instead of a downtown area. |
| trailer with a personal vehicle, you may also be | | | | *If you have several vehicles, consider fleet insurance |
| required to obtain commercial business policy If you | | | | to cover all of them instead of individual policies for |
| tow or haul anything that doesn't belong to your | | | | each vehicle. It may save you money too. |
| company, you could need hired or non-owned vehicle | | | | |