Commercial Auto Insurance in Covington, GA
The first step in securing appropriate commercial auto insurance is understanding what coverage you need. Commercial auto insurance typically includes several types of coverage: 
- Liability insurance—This can help cover damage or injuries you cause to others while operating your business vehicle.
- Collision insurance—This may help cover the cost of repairs to your vehicle if it’s damaged in an accident.
- Comprehensive insurance—This may help cover noncollision-related damages, such as theft, vandalism or natural disasters.
- Uninsured/underinsured motorist coverage—This may help provide financial protection if you’re involved in an accident with an at-fault driver who doesn’t have sufficient insurance.
- Medical payments coverage—This can help cover medical expenses for you and your passengers after an accident.
Factors Affecting Your Premiums
Several factors can influence the cost of your commercial auto insurance premiums, including the following:
- Type of vehicles—High-value or specialized vehicles may cost more to insure.
- Driving records—The driving history of your employees can affect your premiums. If your drivers have at-fault accidents or moving violations on their driving record, it will cost more to insure them.
- Location—Operating in areas with higher traffic or crime rates can increase costs.
- Coverage limits—Higher coverage limits generally mean higher premiums.
Tips for Reducing Insurance Costs
Managing insurance costs is a priority for many businesses. Here are some strategies to help lower your premiums:
- Maintain a good driving record—Encourage safe driving practices among your employees.
- Choose higher deductibles—Opting for higher deductibles can lower your premium costs.
- Bundle policies—Consider bundling your commercial auto insurance with other business policies for potential discounts.
- Regularly review your policy—Ensure your coverage is up-to-date and adjust as necessary to help avoid overpaying.
Contact Us
Contact Lord & Associates Insurance today for a personalized commercial auto insurance quote.