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Protect Your Business Vehicles With Commercial Auto Insurance in Arizona From The Allen Thomas Group Insurance Agency
Don’t let an unexpected accident cripple your business.
The need for the right insurance coverage cannot be overstated. In fact, the right coverage helps pay for liability claims facing your business on the road.
Protect your assets and ensure your operations continue uninterrupted with reliable commercial auto insurance from the leading Arizona insurance agency – The Allen Thomas Group.
Experience matters: With over 20 years of experience serving Arizona businesses, we understand the unique risks you face.
Our commercial vehicle insurance policies shield businesses from financial losses caused by accidents involving company vehicles.
We cover a range of vehicles, from cars to trucks, used for business.
Don’t wait until it’s too late.
Contact us today for a free auto coverage quote and safeguard your business future.
How much does commercial auto insurance cost in Arizona?
In Arizona, the average cost of commercial auto insurance is approximately $147 per month, translating to about $1,762 annually.
However, this premium can vary based on factors such as the number of vehicles insured, their usage, and the specific coverage options selected.
Why Does Your Business Need Commercial Auto Insurance in Arizona?
Arizona law: Arizona law mandates commercial vehicle insurance for company-owned vehicles. Personal auto insurance policies don’t cover vehicles used for work.
That’s when you realize the importance of commercial auto insurance coverage for certain liabilities arising from a road accident.
The right protection: Commercial auto insurance protects your business from liability and financial losses if an accident occurs during business operations.
Our car insurance policies offer several key benefits. Protection against liability claims safeguards your business from potentially devastating lawsuits. Coverage for damage to business vehicles with the right insurance products ensures you can quickly repair or replace essential assets.
Medical coverage for injured employees provides peace of mind and financial protection. Compliance with legal requirements for operating in Arizona keeps your business in good standing with state authorities.
Arizona Commercial Car Insurance Requirements
Compliance may not be the right coverage: The Arizona Department of Insurance sets the minimum amount of auto liability insurance coverage for all vehicles. For commercial auto insurance coverage, businesses must carry $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability per accident.
These minimums often fall short of adequate protection. We recommend higher limits based on your specific needs and risk factors, besides finding the best coverage.
Best Coverage Options for Arizona Businesses
Business owners are required to carry commercial auto insurance if you use vehicles for work purposes.
When renting or leasing vehicles for business purposes, it’s crucial to have adequate hired and non-owned auto coverage.
What it entails: We offer a range of coverage options to ensure comprehensive protection for your business vehicles.
Liability Coverage
Auto liability coverage pays for damage you cause to others in an accident. This insurance covers your business from costly lawsuits and is required by law in Arizona.
Collision Coverage
This type of commercial auto insurance covers repairs for your vehicle after an accident, regardless of who’s at fault. This ensures your business can quickly get back on the road after an incident.
Comprehensive Coverage
Comprehensive business auto insurance coverage protects against theft, vandalism, and natural disasters. In Arizona’s unpredictable climate, this type of commercial auto coverage is crucial for safeguarding your vehicles.
Medical Payments
Medical Payments coverage takes care of medical expenses for you and your passengers if injured in an accident, regardless of who’s at fault.
Uninsured/Underinsured Motorist Coverage
This type of commercial auto insurance policy protects you from drivers without adequate insurance, a common issue on Arizona roads.
Real-Life Scenario: A Phoenix-based catering company’s van was hit by an uninsured driver, leaving them without transportation for upcoming events. Our insurance agency came to their rescue with uninsured motorist coverage, helping them quickly replace the van and avoid losing business.
Factors Affecting Cost of Commercial Auto Insurance for Your Business
Several factors influence your premium, and understanding these can help you manage your business auto policy costs effectively.
Vehicle Type and Value
Vehicle type and value play a significant role in determining your insurance costs. Expensive or specialized vehicles typically cost more to insure due to higher repair or replacement costs.
Driving History
The driving history of your employees is crucial. Drivers with clean records and years of experience can help lower your premiums, while those with accidents or violations may increase costs.
Annual Mileage
Annual mileage impacts your insurance costs because more time on the road increases the likelihood of accidents. Businesses operating primarily within a city will likely pay less than those traveling across the state.
Cargo Type
The type of cargo transported can affect your premiums. Vehicles used for business to carry hazardous materials or high-value goods may require additional coverage and thus higher premiums due to the increased risk.
Business Location
Your business location within Arizona also influences costs. Urban areas like Phoenix or Tucson may have higher rates due to increased traffic and higher accident rates compared to rural areas.
Premium Impact Factors
Different factors can have varying impacts on your premium.
A safe driving record typically has a low impact, potentially lowering your costs. High-value vehicles and urban operations often have a high impact, increasing premiums. Low annual mileage generally has a low impact, while transporting hazardous cargo has a high impact on insurance costs.
What Vehicles Does Our Business Auto Insurance Cover?
We cover vehicles used for business activities to meet the diverse needs of businesses.
You need a commercial auto policy if you use vehicles with an Arizona license.
Cars are often used for sales calls and client meetings, allowing your team to travel efficiently.
Motor vehicles are ideal for businesses that need to make deliveries or conduct service calls, providing ample space for tools and equipment.
Trucks are essential for construction businesses and those that need to haul heavy materials.
SUVs serve well for real estate showings and executive transport, offering comfort and style for client interactions.
The Allen Thomas Group Difference
With over 20 years of experience, we are licensed commercial insurance agents in Arizona. Nobody understands Arizona’s commercial auto policy landscape better!
We are dedicated to providing the right commercial auto insurance rates for clients.
Our approach sets us apart in several key ways, besides finding the best insurance you need.
Personalized Risk Assessment
We evaluate your business’s unique needs through a thorough risk assessment. This allows us to identify potential vulnerabilities and create a tailored insurance solution.
Tailored Coverage
We create custom policies for Arizona small businesses and not one-size-fits-all solutions. Our tailored approach ensures you have the right auto policies usually covering all your specific needs.
Local Expertise
We know Arizona’s roads, regulations, and risks intimately. This local knowledge allows us to anticipate potential issues and provide coverage that truly protects businesses.
Responsive Claims Service
We’re here when you need us most, providing quick and efficient support when accidents happen. Our claims process is designed to minimize disruption to your business.
Cost-Saving Strategies for Businesses
We help you balance comprehensive coverage with affordability through several proven strategies.
Bundling Policies
Combining different types of insurance with commercial auto insurance can help you get discounts. This not only saves money but also simplifies your insurance management.
Implementing Safety Programs
Train employees in safe driving practices. We can guide you in creating and implementing effective safety programs that can lead to lower premiums.
Choosing Higher Deductibles
Lower your premium by accepting more financial responsibility. We can help you find the right balance between deductible and premium to fit your budget.
Regular Policy Reviews
We adjust your coverage as your business evolves. Regular reviews ensure you’re not paying for unnecessary coverage and that your commercial policy protection grows with your business.
Commercial Auto Insurance Claims Process
If an accident occurs, follow these steps to ensure a smooth claims process:
1. Ensure safety and call authorities if necessary. This is always the first priority.
2. Document the incident with photos and witness information. Gather as much evidence as possible at the scene.
3. Contact our 24/7 claims hotline. Our dedicated team is always ready to assist you.
4. Provide all relevant information to our claims adjuster. The more information you can provide, the smoother the claims process will be.
5. We’ll guide you through repairs and any legal processes. Our experienced team will help you navigate the aftermath of the accident.
Our efficient claims process minimizes disruption to your business operations when vehicles used for business purposes are involved in an accident.
Tailored Insurance Solutions Built For Your Arizona Business
We know how frustrating and complex the process of finding the right commercial auto insurance can be.
Let us help craft a policy that works for you.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
Our Commercial Insurance Carrier Partners
That allows us to find the best rates for your business.
Let Us Help You Get an Arizona Commercial Vehicle Quote To Protect Your Company Fleet Today
Commercial auto insurance for your business is a critical component of your risk management strategy.
The Allen Thomas Group is ready to provide the protection your Arizona business needs.
We understand the unique challenges faced by your business, from navigating busy Phoenix streets to traversing long desert highways.
Our auto liability insurance coverage is designed to give you peace of mind, knowing you’re protected wherever your business takes you.
Don’t leave your business vulnerable on the road.
Call us at (440) 826-3676 or click on the button below to start the fast and easy process to getting a competitive commercial auto insurance quote.
Get More Insights On Making The Right Insurance Decision For Your Company
Do I need commercial auto insurance if I use my personal vehicle for work?
Yes, if you personal vehicles used for work purposes are involved in an accident, commercial auto insurance can be a savior. Personal auto policies typically don’t cover business use.
How much commercial auto insurance do I need?
The amount of coverage you need depends on several factors, including your business type, vehicle value, and risk exposure. We can help you determine the right coverage levels for your business.
Can I insure multiple vehicles under one policy?
Yes, we offer fleet insurance policies that cover multiple vehicles under a single policy, often at a discounted rate.
How can I lower my commercial auto insurance premiums?
You can lower premiums by maintaining a good driving record, implementing safety programs, choosing higher deductibles, and bundling policies.
What's not covered by commercial auto insurance?
Commercial auto insurance typically doesn’t cover personal use of vehicles, intentional damage, or wear and tear.
Choose your area: Popular Arizona Communities We Serve Business Owners
Anthem
Arizona City
Avra Valley
Bisbee
Camp Verde
Casas Adobes
Catalina
Catalina Foothills
Cave Creek
Chinle
Chino Valley
Coolidge
Corona de Tucson
Cottonwood
Doney Park
Douglas
Drexel Heights
Eloy
Page
Paradise Valley
Paulden
Payson
Picture Rocks
Prescott Valley
Rincon Valley
Rio Rico
Saddlebrooke
Safford
Sahuarita
San Tan Valley
Sedona
Show Low
Sierra Vista Southeast
Snowflake
Somerton
