Reader question:

Should I get a commercial car insurance agent online rate quote or something else?

Jerry

Good question, Jerry.

Whether you should get a commercial car insurance agent online rate quote or something else depends on your situation. I would say that in most cases it is completely unnecessary for you to hire an agent. Helpful though they may be, they cost more because they charge a fee, and often can’t give you as wide a range of choices as you can get by just spending a few minutes online.

One situation where I would say that an auto insurance agent would be very helpful is if you have trouble deciding if you need commercial car insurance at all. To preempt that, I’ll give you an idea of who needs it.

• You need a commercial policy if you transpot goods or persons.
• You have employees who drive for work purposes.
• You require more coverage than is available through a typical personal car insurance policy.
• You have more than one vehicle as an artisan.
• You have certain work equipment which is attached to your car and cannot be removed.
• You own your business with someone else.

take care,

Fashun