Commercial Auto Insurance
Commercial Auto Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Commercial Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Commercial Auto Insurance Information
Kansas City Commercial Auto Insurance
Also Serving St. Louis, Springfield, Wichita & all of Missouri, Kansas, Oklahoma & Texas
Auto Insurance Discounters insures all shapes and sizes of vehicles, including vehicles you might use for business purposes. Let us help you get a custom-tailored commercial auto policy that addresses your specific driving risks. Call us at (866) 288-6545 or (816) 252-2255 to get a free quote on one of our top-rated policies.
What Is Commercial Auto Insurance?
Forty-nine of the 50 states require their registered drivers to carry car insurance. The requirement usually doesn't consider how you plan to use the car. Therefore, a company-owned vehicle or delivery truck needs coverage as much as your everyday car or sedan. But, most auto insurance policies for private vehicles won't cover vehicles used for business.
To insure those, you'll need a commercial auto insurance policy.
How Is Commercial Auto Insurance Different From Personal Car Insurance?
While commercial auto insurance looks a lot like private car insurance, it also has key differences.
- The policy will name the business as an insured party. Therefore, should a problem occur, then not only a driver, but also the business itself can have protection from financial losses.
- Most policies will include higher default coverage limits. The liability and physical damage cost risks commercial drivers face are higher than those of private drivers.
- Policies can also contain special types of coverage that apply specifically to commercial drivers.
Who Needs Commercial Auto Insurance?
Numerous vehicles might meet this qualification, including:
- Vehicles (or a fleet of vehicles) owned by or titled to a business
- A company-owned vehicle provided to an employee for personal and commercial use
- A personally-owned car someone uses for business, like a car your employee drives for work
- Vehicles driven for rideshare companies
- Certain large vehicles, like commercial trucks, even if they are driven privately
Driving to work each day or running the occasional work errand likely won't mean you need business auto insurance. However, if you use a vehicle regularly for business, then you will often need coverage.
Check with your state of residence to see if your particular vehicle requires certain types of coverage. Though you will always have to buy the minimum coverage required of all drivers, certain commercial drivers are required to buy additional coverage.
What Coverage Will My Policy Include?
Some of the coverage options we can offer in commercial auto policies include:
- Liability Coverage: If an insured driver is at fault for a wreck, this coverage will pay other affected parties for their bodily injuries or property damage. For example, if you hit another car from behind, then this coverage can pay the other driver for their vehicle repairs.
- Hired/Non-Owned Auto Coverage: This is the portion of your coverage that will extend liability limits to privately-owned cars used for business, such a car that belongs to an employee driver.
- Collision Coverage: Coverage will pay to help you repair your car following a wreck.
- Comprehensive Coverage: If an incident such as vandalism or severe weather damages the vehicle, then this coverage pays for repairs or replacement.
- Uninsured/Underinsured Motorist Coverage: If someone else is at-fault for your car’s damage (such as if another driver hits you), then you might be able to make a claim against their liability policy. If that driver lacks coverage, however, then your own policy can help cover your losses.
- Medical Payments Coverage: This coverage can help business drivers pay for their medical costs following wrecks. Please note, injured drivers might also qualify for workers compensation coverage.
The more coverage you decide to buy, the more assistance you'll available to cover costly losses that both the business and employee drivers might face. We'll help you get the right protection.
How Can I Insure My Cargo?
Alongside your commercial auto policy, you might also need inland marine insurance, which is sometimes called motor truck cargo insurance. This is the coverage that applies to the cargo or equipment carried within commercial vehicles.
Does Commercial Auto Insurance Cover Personal Use?
If you drive a business-owned vehicle during your off hours, then your commercial auto insurance policy can continue to cover you. Still, if you drive a personally-owned vehicle both for work and pleasure, then you might need to maintain personal car insurance as well. Even if your company has a non-owned vehicle endorsement for your car, it likely won't cover you during times of personal use.
What Is The Average Cost Of Commercial Auto Insurance?
Various factors might influence your rates, like the type of vehicles you own, your location and the amount of coverage you buy. Most commercial auto policies cost $750 - $1,200 per year, per vehicle.
Is There Commercial Auto Insurance For SR-22 Recipients?
If a driver has to file an SR-22 penalty, they still can qualify for commercial auto insurance.
Get Started Now
The sooner you get commercial auto insurance, the more financially-sound you will be. Call Auto Insurance Discounters at (866) 288-6545 or (816) 252-2255 or get an online quote. We're ready to help!