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Texas Commercial Auto Insurance

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many business people use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, which will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.

Meeting Texas auto insurance requirements

Most people know that before you get behind the wheel of your vehicle, you must have auto insurance coverage. What they may not know is that the Texas auto insurance requirements have changed. Beginning on Jan. 1, 2011, every driver must have $30,000 of minimum liability coverage per injured person, $60,000 for everyone injured in an accident and $25,000 for property damage—30/60/25. This is an increase from the former required Texas auto insurance coverage of 25/50/25.

The increase in the minimums for liability auto insurance has led many people to reevaluate their policy. This is especially true for businesses that have large fleets of vehicles. With an economy that is creating higher costs in almost every aspect of business, many are asking for commercial auto insurance quotes to compare rates.

Businesses are not the only ones looking for low cost auto insurance. Families are struggling with higher food and gas costs, and trying to save money any way that they can. Many are looking to Texas auto insurance companies for quotes to see if they can save money, too.

Finding the Right Coverage

Business owners and families are often looking for the same thing in auto insurance companies.

• Stability and knowledge. How long have the agents been providing liability auto insurance? Are they aware of the auto insurance requirements?
• Customer service. Do the agents know the industry? Can they answer all my questions? How will they handle a claim?
• Value. Many companies provide low cost auto insurance. But what kind of coverage will I get? Am I sacrificing service for a better rate? What kind of products does the company offer?

The Difference

Most companies tout their expertise and value but we back that up with superior products and service. As independent insurance agents, we offer more than 50 companies to our customers. We do the shopping and price comparison of rates for you to assure you that you get the best coverage at the lowest price available from our partner companies. Our auto insurance quotes include any discounts you may receive for multiple vehicles or safe driving.

The true test of your insurance policy comes when you need it—when you are in an accident. When you call us, you will receive the same prompt and courteous service as you did when you received your first auto insurance quote.

Our agents, some who have been in the business for more than 15 years, see their customers as more than just another number. Our customers trust us to protect them financially in the case of an auto accident. It’s a responsibility we take seriously. We are constantly updating our training to provide our customers with better service.

Call (877)952-1010 today and you will see why thousands have turned to us to meet their Texas auto insurance requirements.