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