When you run a business such as a taxi service or heavy machinery vehicles then you need to consider getting insurance for them according to the need. Some of the businesses are operational seasonally. Therefore it makes no sense to have the same kind of insurance on them as you would take out on a regular vehicle. There are companies that offer seasonal and specific insurance policies suited to commercial use. Therefore the insurance you carry can be different for different seasons. If you can find out the costs and implications of getting such a policy you can save a lot of money. With any insurance policy, research and multiple options are always a good idea.
When you have a business such as an ice cream truck, a snowplow vehicle or landscapers, you will obviously be using them differently during different times of the year. Hot summer months will not need any snowplow drivers! So you will be leaving the vehicle aside until next snowfall. Make sure you discuss with your insurance agents the business routine and seasons and about the coverage you require during those different times. An all year around theft or damage insurance may make sense. But not any other type of coverage. Discuss your options with different companies so you know what to ask for and what to negotiate on.
If you are going to be leaving your vehicle covered up for the off season times, you should still consider getting a comprehensive policy alone for those times. Cancelling the insurance altogether is not wise. If there is some earthquake or some fire or vandalism you could lose your machine and your money overnight. Make sure you are protected in case of unexpected contingencies. When you have coverage all throughout then getting additional coverage tacked on according to the need will be costing you less. If you drop the policy and look for a brand new one then the company may charge you more.
Another thing to watch out for in car insurance is to not have too many cancellations. When you have record of having dropped your policy or changed it too many times, it triggers bells of alarm to the providers that you are an unstable consumer. They will be unwilling to offer you much on negotiations. Make sure you know the time frame within which you can cancel and read through well before making a decision so you do not need to cancel on the policy.
If you are using the same commercial vehicle for personal use then you need to stay covered. If you do not have an additional vehicle and use the same for your trips during off season to the grocers or locally then discuss that with your insurance agent. If you have had along years and a good record you can work out a good deal and no claims bonus as well. A local agent can help you figure out what policy will work best for your needs both personally and commercially. When you need commercial auto insurance, bear in mind the seasonal variations and any other factors you will need to discuss. When you are purchasing both personal and commercial insurance from the same agent, you may be able to negotiate on the pricing. Look to choose from the best available!
