Five Of The Easier Ways To Save On Fleet Insurance

Fleet insurance is the form of commercial vehicle insurance that you need if you use multiple vehicles for business. Here are five of the easiest routes to the best fleet insurance coverage at the lowest price.

One: Work with a leading insurance provider

It’s often difficult to compare the exact costs and coverages available under competing insurance plans. That’s why it’s important to work with experienced commercial insurance pros like the team at Girard Insurance.

We have more than 25 years of experience in understanding business owners’ needs and bringing winning quotes for the best coverage.

Two: Choose your drivers carefully

Just as it is with any kind of insurance, your fleet insurance premium costs depend to some degree on you and your drivers’ driving records. The more tickets and accidents, the higher the premium cost.

During any hiring process, you should make sure to do a thorough background check on your prospective employees.

This screening should include an inquiry with the department of motor vehicles and other licensing agencies. This can help you avoid costly, unpleasant surprises later.

Three: Use safety measures

Commercial insurance companies are impressed when companies that operate vehicle fleets, whether they’re taxi fleets, truck fleets or other commercial vehicles, opt to have their employees attend regular safety training meetings.

And, safety and security technologies such as vehicle anti-theft and tracking devices often help reduce premiums. Pre-crash warning systems are also helpful.

Backup cameras, alarm systems and fleet management software can help you save money on insurance costs, too.

Four: Add features that may reduce serious injuries

Insurers look favorably on companies that operate fleets equipped with additional devices and features to reduce serious injuries in case of an accident. These include –

  • Airbags in front and on the sides
  • Anti-lock braking systems
  • Extra padding on dashboards
  • Special laminated windshields

Five: Ask for discounts

If you do not ask, you shall not receive. You should ask for as many discounts and special programs as you can.

For example, insurers usually offer discounts for companies which have been in business for at least three years. And, special fleet coverage programs may be available.

When you need insurance for a vehicle fleet, we can help. For the lowest quotes and quickest claim service, contact Girard Insurance.

For a free quote call us toll-free at 844-750-6003

How to choose the best commercial truck insurance quotes

Following the recent upsurge in cargo thefts from commercial trucks during transport, it’s important to make sure that when you shop for the best commercial truck insurance quotes, you should include adequate provisions for cargo insurance.

In fact, trucking industry security experts have reported that during the past year the average value of a truck’s cargo stolen in transport increased by more than 35% to almost $235,000 per theft.

And, about 90% of all reported thefts during 2014 occurred when the truck was parked within unsecured parking, and the driver wasn’t present.

Whether you’re an independent driver or own several trucks, you should find good commercial truck insurance quotes that include enough cargo coverage for the goods that have been trusted to your care during transit.

At Girard Insurance, we can help by providing the exact coverage you need, at a price you can afford.

Popular targets

The most popular targets for cargo thieves continue to be food and drink, electronics, and home and garden products. In terms of value lost, the cost of electronics stolen in transit averaged nearly $570,000 per theft, which represents an increase of almost 50% over the 2013 loss statistics.

Regarding total volume, food and beverage products were the category of cargo most frequently stolen in 2014, representing about 20% of all trucking thefts.

Electronics were the second-richest target for thieves, accounting for about 16% of thefts. And, housewares and garden products were stolen about 15% of the time.

The right commercial truck insurance quotes

In order to ensure that you have the right coverage at an affordable price, you should work with the commercial insurance professionals at Girard Insurance. We can tailor the coverage to exactly fit your business, so you’ll have the protection you need, without overpaying.

If you’re carrying valuable cargoes, especially food and drink or electronics, just call us for the best commercial truck insurance quotes.


Bargains on bus insurance

Whether you own and operate school buses that carry students, buses that carry church members, coaches that bring tourists on sightseeing tours, or local transit buses, Girard Insurance has the insurance coverage you need.

Types of bus insurance coverage

Apart from federal regulations, almost all states require that bus operators have liability insurance. Bus liability insurance protects owners and drivers of buses against the cost of claims regarding property damage and personal injury.

Bus liability insurance covers the cost of claims made against you, your bus driver, and your organization in the event that your bus is involved in an accident in which you’re found to be at fault.

Driver insurance generally covers personal injuries and financial losses to a driver following an accident. And, passenger insurance can cover injuries to passengers and perhaps damage to their belongings.

As well, specific types of business may require special types of coverage, including coverage for school buses, transit buses, and tour buses.

Choosing the right bus insurance

The first step toward choosing the right insurance for your bus or buses is to work with a good insurance team. The commercial insurance professionals here at Girard have more than 25 years of experience in providing the best combination of insurance coverage at an affordable price.

The second step is to work closely with your insurance professionals to help them understand exactly how you use your bus. The amount of time and distance that you operate a bus, as well as where it travels, are critically important factors in determining your premium costs.

For example, if your bus is only used once per week to carry church members, then your coverage needs are different than an operator who runs a full shuttle bus schedule every day of the week.

Likewise, whether your bus only travels locally or whether it routinely crosses state lines during trips will influence the types of coverage you need and the premiums you pay.

Finding bargains on bus insurance

Because of the wide variability in how buses are used, the costs of insuring them can also vary greatly. In order to obtain the maximum coverage at the lowest price, you should work with an insurance provider that is deeply knowledgeable.

Girard Insurance offers you the best of both worlds – affordable prices and exceptional claims service. To find the best bargain on bus insurance, just call us.