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Commercial Auto Insurance

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Commercial Insurance

Business Auto Insurance

In Minnesota, many businesses require their employees to drive company vehicles. Whether your business owns one vehicle or an entire fleet, business auto insurance is a necessity. A commercial auto insurance policy provides coverage for liability as well as physical damage to the vehicles owned by your company.

For a free Minnesota business auto insurance quote apply online by selecting the link below
Free Commercial Auto Insurance Quote

The liability portion of the policy covers any damages your company is required to pay that is a result from an accident involving a company-owned vehicle. When purchasing business auto insurance, you must first decide which vehicles you want to cover for liability. There are usually three options: automobiles owned by the business; all automobiles owned, hired, or leased; or all automobiles, including those that are not owned, hired, or leased.

Physical damage coverage pays for damage to the insured vehicle. There are three basic types of physical damage coverage: collision, comprehensive, and specified perils:

  • Collision coverage pays for losses that result from a collision of a vehicle.
  • Comprehensive coverage is broader, and provides coverage for losses other than those covered by collision.
  • Specified perils coverage is a less expensive option than comprehensive coverage. It generally covers fire, theft, and various specified perils.

For a free Minnesota commercial auto insurance quote apply online by selecting the link below
Minnesota Business Auto Insurance Quote

Businesses that own fleets of vehicles are at an increased risk of loss, and therefore are required to have more coverage.

Business auto insurance premiums are based on a number of different factors. When determining rates for physical damage coverage, the insurer will look at the gross vehicle weight, business use, and the number of miles the vehicle is driven each year.

Commercial auto insurance companies can help control the costs of their auto insurance premiums by following some basic guidelines:

  • Check employees' driving records, and prohibit employees with poor driving histories from operating company vehicles.

  • Emphasize driving safety, and require employees to wear seat belts.

  • Ensure that employees know how to properly operate company vehicles.

  • Properly classify vehicles with the insurance company. Track vehicle usage and the number of miles driven per year, and update these records when you renew your policy.

  • Keep all company vehicles maintained.

  • Choose vehicles with safety features, such as anti lock brakes and air bags.

For a Free Business Auto Insurance Quote apply online by selecting the link below
Free Commercial Auto Insurance Quote

Use Ramsey County Insurance to get your online business auto insurance quotes today, and start reducing your commercial auto insurance costs now.

Take the time to get a free business auto insurance quote online now, and have the best commercial auto insurance companies, with the best business auto insurance rates, provide your company with an auto insurance plan to fit your company's exact needs.

For a Free Business Auto Insurance Quote apply online by selecting the link below
Free Commercial Auto Insurance Quote

Ramsey County Insurance offers Commercial Auto Insurance in the following Minnesota towns: Arden Hills MN, Dellwood MN, Falcon Heights MN, Gem Lake MN, Lauderdale MN, Lino Lakes MN, Little Canada MN, Maplewood MN, Mounds View MN, New Brighton MN, North Oaks MN, North St. Paul MN, Roseville MN, Shoreview MN, St. Paul MN, Vadnais Heights MN, West St. Paul MN, and White Bear MN.

Commercial Auto Insurance
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