Box Truck Insurance
If are in need of a commercial auto policy for your box truck insurance then you have come to the right place. Here at Bains and Woodward Insurance we have access to some of the nation’s top carriers for business insurance in California and we will shop them all at one time for you. It is important that you work with an agent who knows what they are doing to ensure you are covered properly; failure to do so could result in rejected claims. Her at Bains and Woodward insurance we have many years of experience in the field between our multiple locations. We will be able to help you find the perfect policy at the right price so give us a call today and see how easy we make the process.
What Types of Business Can You Quote For Box Truck Insurance?
Whatever your business needs may be, we will be able to find the right coverage for you. It doesn’t matter if you are a courier, own retail businesses or will be doing moving for hire; we have the right policy for you. Her at Bains and Woodward Insurance we are an independent agent, not a direct agent. As an independent agent we are able to shop your CA commercial auto insurance policy through multiple carriers all at the same time. By doing this we cause carriers to compete amongst one another for your business. When carriers compete you save money. In addition to saving hundreds, or even thousands of dollars a year you will also save your valuable time. Why spend countless hours calling carrier after carrier and visiting office after office? Just give us one quick call here at Bains and Woodward Insurance and we will do the shopping for you. Odds are you will be so impressed with our service and prices that you will never need to shop around for a new agent again.
When insuring your box truck be sure to tell your agent exactly what you will be using it for and if you will also be using it for personal use or not. Also be sure to include any periodic or sporadic type of work done with it, even if it is rarely carried out. Failure to do so could result in a denied claim costing you hundreds or even thousands of dollars out of pocket. It is important that your carrier know what work is being performed so they can rate your policy appropriately. This is a major factor in determining the annual rate you will be paying.
What Effects Box Truck Insurance Rates
Additionally, the carrier will also need to know what your radius of operations will be. The more you drive and are on the road the greater the risk of a claim arising that is at fault. Keep in mind incurrence is a game of risks. The greater the risks the more costly it will be to insure so be sure you are as accurate as possible when determining your radius of operation. Some carriers may have a maximum radius restriction as well so it is very important that you discuss your radius of operation with one of our agents today to ensure you are receiving proper coverage for your box truck insurance policy.
Be sure to know who will be driving your vehicle and when. You will need to get a driver’s license number for all scheduled operators of the vehicle. If a driver has a bad driving record they will most likely cause the rates of the policy to go up or they may be outright rejected if their records are bad enough. Be sure you are aware of what an employee has on their driving record before adding them to your policy to avoid increased premiums or cancellations.
Box Truck Insurance Is Stated Value
Most commercial insurance carriers will offer comprehensive and collision coverage limits with a stated vehicle value rather than using standardized prices based off of year, make model and performance. This is because most commercial vehicles will have additional special equipment installed which makes it impossible to generate the vehicle value off of just the VIN number alone. Be sure you are aware of your vehicles value including any special equipment that may need to be included. The stated value of the vehicle will affect your policy premiums.
As with any vehicle in California, the state will require that you carry auto insurance of you are operating your box truck in any way on a public road. Failure to carry insurance could result in fines or your vehicle being impounded. The costs of such fines and punishments can be quite costly and are designed to encourage purchasing insurance. Typically fines cost far more than an insurance policy.
Once you are ready to get a box truck insurance quote give us a call, click or swing by a local office. We will work with multiple carriers to find the right policy for your business needs at a great price. We don't only do box truck insurance though. You can refer a friend for all types of commercial auto like tow truck insurance and car carrier insurance.
