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Commercial Auto Insurance Quotes

Commercial Automobile Insurance - Quick, Easy, FREE Quotes


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Commercial auto insurance is an important part of any company's insurance portfolio when vehicles are used in business. No matter what type of company vehicle needs coverage, there is a commercial automobile insurance policy that fits the need. Having the right business insurance is an important step in ensuring your business is fully protected.

When searching for commercial auto insurance quotes, you need to visit NetQuote. As the online leader in providing business insurance quotes, NetQuote allows you to receive a FREE, no-obligation quote from top providers by just simply filling out one secure online form. Finding the best commercial insurance coverage for your business is easy with NetQuote!


commercial auto insurance quotes


Commercial Auto Insurance Coverage

The general liability insurance policy your business has will not cover company cars, which is why you need a commercial automobile insurance policy. Common vehicle coverages include:

  • Liability Coverage - If the operator of your company auto is at-fault in an accident, the liability coverage portion of your policy will pay for damages, up to the limit of the policy. This includes damage to persons and property.
  • Medical Payment Coverage - When an occupant of your covered vehicle is injured in a crash, medical payment coverage handles medical treatment costs. This coverage is for the people in your company vehicle, not for those outside of your vehicle at the time of injury.
  • Physical Damage Coverage - If your company auto is damaged in an accident, the physical damage portion of your policy provides coverage. The coverage is also used for non-collision related damage, such as fire, vandalism and theft.
  • Uninsured/Underinsured Motorist Coverage - If another vehicle causes damage to your covered company automobile, but doesn't carry high enough coverage limits to pay for all of the damage, the uninsured/underinsured motorist coverage kicks in. This is also true if the other driver has no coverage at all.

The above four coverages are just some of the main coverage types offered by commercial automobile insurance companies. Consult directly with your insurance agent to see what other coverages may be available that you should consider.

Commercial Auto Insurance Quotes - Quick, Easy, FREE

Getting a commercial auto insurance quote is quite easy when you take your search directly to NetQuote. A leading online aggregator of business insurance providers, NetQuote allows you to securely complete an online form and receive back FREE, no-obligation quotes from leading insurance providers. This allows you to compare coverages and rates from the comfort of your desk with little effort on your part. Finding commercial automobile insurance providers is easy with NetQuote.

Receive your FREE, no-obligation commercial auto insurance quotes today from NetQuote!


commercial auto insurance quotes


Commercial Auto Insurance Coverages Explained


First Party Protection*Third Party Protection**
Liability - Coverage for injuries to a third party caused by an insured vehicle and is broken into two parts - Bodily Injury and Property Damage. (See below for further explanation of each.) Liability limits are often expressed as a series of three numbers. For example, 100/300/50 indicates maximum liability limits of $100,000 for bodily injury to a single person, $300,000 for bodily injury for a single accident, and $50,000 property damage limits per incident.no-xcheckmark
Bodily Injury - Coverage for third party bodily injuries caused by an insured vehicle involved in an at-fault accident. Bodily injury coverage applies to people inside vehicles hit by the insured, as well as individuals outside of any vehicle, such as pedestrians.no-xcheckmark
Property Damage - Coverage to property owned by a third party that is damaged by an insured vehicle. Property damage coverage applies to third party vehicles, as well as other types of property (buildings, signs, guardrails, fences, etc.).no-xcheckmark
Medical Payments - Coverage for people that are injured while inside of an insured vehicle. Medical payments coverage applies to all people inside of a covered vehicle, including the named insured, their family members, and other individuals. Coverage may also extend to insured individuals when they are a pedestrian and are injured by a motor vehicle. Extended benefits may be available that help pay for lost wages, as well as other damages, as outlined in a specific policy.checkmarkno-x
Uninsured/Underinsured Motorist - Coverage that applies to an insured person/vehicle when damages are caused by a person without an auto policy, or they have a policy but it doesn't meet state-required liability limits - both of these cases meet the definition of an uninsured motorist. An underinsured motorist is a third party with an auto policy, but the policy liability limits are not enough to cover the damages that they caused. While uninsured/underinsured motorist coverage is optional in most states, it is highly recommended since many people only carry state-required minimum liability limits, which oftentimes is not sufficient coverage. You purchase uninsured/underinsured coverage on your policy, and it pays out when an uninsured/underinsured motorist causes damage to your covered vehicle. In most cases, uninsured/underinsured limits cannot exceed your liability limits.checkmarkno-x
Physical Damage - Coverage for an insured vehicle itself and is broken into Comprehensive and Collision (see below for further explanation of each coverage). A deductible is associated with physical damage coverage, and is the amount the insured pays for a claim before the insurance company starts paying. Deductibles range from $0 to $1000, or more, with higher deductibles generally resulting in lower policy premiums, as the insured is taking on more of the risk themselves. Rates for comprehensive and collision coverage is partially determined by the vehicle make and model, as well as claims history for the type of vehicle.checkmarkno-x
Comprehensive - Coverage for damage to an insured vehicle caused by incidents such as theft, vandalism, fire, wind, water, flood, earthquakes, explosions, and riots. Put simply, comprehensive pays out for covered incidents that don't fall within the collision category (see below).checkmarkno-x
Collision - Coverage for damages to an insured vehicle that are caused when an object is hit (a collision occurs). Collisions with other vehicles, as well as collisions with immobile objects such as signs, lights, trees, structures, etc., are covered by the collision coverage portion of a vehicle policy.checkmarkno-x

* First Party - The persons and vehicles named on the policy, as well as any other occupants of the insured vehicle.

** Third Party - Someone other than the named insured whose property is damaged through the operation of the named insured's covered vehicle, or who is injured by the named insured's covered vehicle (but isn't inside the insured vehicle at the time of the accident).

Note: In an auto policy, the "second party" is the insurance company that issues the policy. This means that the first party (named insured) purchases coverage from a second party (insurance company) to cover damages to a third party, and also to the first party, as explained in the above table.



commercial auto insurance quotes




Explore other types of business insurance to see what other coverages are available.