Low-Cost Car Insurance
Average savings of over $767 for drivers who switch & save on car insurance.
Why Car Insurance is Important
Car insurance is a crucial aspect of protecting your business and personal assets as a contractor. It provides financial coverage in case of accidents, property damage, theft, or other unforeseen incidents involving your vehicles. Here are some reasons why car insurance is essential for contractors:
Basic Types of Car Insurance Coverage
This type of coverage helps protect you from financial obligations if you cause an accident that results in bodily injury or property damage to others. It typically includes both bodily injury liability and property damage liability.
This coverage helps protect you if you’re involved in an accident with a driver who doesn’t have insurance or has inadequate coverage.
Collision coverage pays for repairs or replacement of your vehicle if it’s damaged in a collision with another vehicle or object, regardless of who is at fault.
Comprehensive coverage offers protection against non-collision incidents, such as theft, vandalism, fire, natural disasters, and falling objects.
Factors to Consider when Choosing Car Insurance
I like to use the phrase make the insurance company a bigger target than yourself. Coverage limits provide coverage up to certain limits of protection. These limits are the most the insurance company will pay in the event of an accident. Evaluate the coverage limits offered by insurance.contractors and choose the ones that align with your needs and potential risks. If you need help picking a limit an agent can help you pick limits that help protect your personal assets with out breaking the bank.
Determine the deductible amount you’re comfortable with paying out of pocket in case of a claim. A higher deductible results in lower premium costs.
insurance.contractors may offer optional coverage, such as roadside assistance, rental car reimbursement, or gap coverage. Consider your specific requirements when deciding on additional coverage options.
Inquire about any discounts available, such as multi-vehicle discounts, safe driving discounts, or bundling policies
Getting a Car Insurance Quote
When obtaining car insurance quotes for your contracting business, consider the following steps:
Prepare relevant details, including vehicle information, driver’s license numbers, driving history, and any existing insurance policies.
COMPLETED
At Insurance.Contractors we shop your insurance with dozens of companies. We will review the coverage options, limits, deductibles, and premium costs with you to help choose the best option for your insurance dollars. We will discuss different companies reputation, customer reviews, and claims handling process.
If you have any questions or need assistance, consult with an insurance agent from Insurance.Contractors who can help you understand the policy terms and coverage options.
Remember, it’s essential to periodically review your car insurance coverage and companies to ensure it meets the your evolving needs and make sure your getting the best price.