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Lowering Your Commercial Auto Insurance Rates

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Insurance Premiums For Company Cars

Finding the right commercial vehicle insurance policy that will best fit your needs can be much easier said than done. There are many factors that you need to consider when deciding on the right policy, all which can have serious impacts on how much you pay each month. Make sure to consider all of these factors to ensure that you are able to invest in the right amount of coverage for your specific needs.

  • Your drivers – the driving record of all your employees is one of the biggest factors that is used to determine what your commercial auto insurance rates will be. When hiring new drivers for your company, make sure to take a look at their driving record. The better their record is, the lower your rates will be.
  • Your fleet – your auto insurance company will want to know what type of vehicles you are looking to insure. The more expensive your vehicles are, the higher your rates will be. If you are planning on buying new vehicles to fill up your fleet, consider newer vehicles that may qualify for more discounts than older vehicles.
  • Your vehicles – each company vehicle that is included in your fleet helps to determine your rates. There are auto specific coverage options that can help to lower your price if you properly insure your cars. If you have many different types of cars in your fleet, you may want to invest in similar commercial coverage for each vehicle to keep your premiums as low as possible.

For all of your Conejo Valley business insurance needs, and to ensure that you have the right amount of coverage, contact Cappuccino Insurance Agency in Westlake Village, California. As an independent insurance agency, we will work with you to ensure that you have the coverage that you deserve, all at the right price.

Can You Qualify for a Good Driver Discount?

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Good Driver Discount

Thanks to Proposition 103, which passed in 1988, all auto insurance providers in California are required to offer discounts to good drivers. This discount will lower your monthly auto insurance premiums by 20 percent as long as you meet specific qualifications.

In order to qualify for the discount, you must have your driver’s license for at least three years. While Proposition 103 only applies to California drivers, it does not mean that you have to have been driving in California for three years. As long as you have held a license for three years anywhere in the United States or Canada, you can qualify for the discount.

During the three years that you are a licensed driver, you must not have received more than one point on your driving record, completed traffic school for more than one traffic violation, or been found at fault for an accident. In order to be found at fault for an accident, you only have to be 51 percent responsible for the accident. If you have a DUI on your driving record, you will have to wait 10 years before you are able to qualify for the good driver discount, even if you meet all the other requirements.

When looking for the right auto insurance policy, your insurance agent is required to tell you about the good driver discount if you qualify, which means that you do not have to worry if you did not ask about it the last time you renewed your policy.

Contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California for all of your auto insurance coverage needs. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection, all at the right price.

It’s Time For Your Insurance Review!

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Annual Insurance Review

As the first month of 2015 comes to an end, it is the perfect time to plan for all that you want to accomplish throughout the year. It is also the best time to look over all of your insurance policies to ensure that you are protected from any unfortunate situation that may arise. There are many benefits of reviewing all of your insurance policies early in the year, including:

  • You may find more discounts – there are many different discounts that are available that will help to lower the cost of all of your insurance policies. Make sure to talk with your insurance agent to see if there are any discounts that you can qualify for that you are not already taking advantage of.
  • You may not have enough coverage – if you had any major life changes in the past year, you may not have enough protection of your new lifestyle. If you welcomed a new member to your family, you will want to increase your life insurance policy to make sure that all of your dependents will be protected when you are gone. If you made any renovations to your home to make it more comfortable for your expanding family, make sure that your homeowner’s insurance policy will provide coverage for the increased value of your home.
  • You may have too much coverage – when looking over your insurance policies, you may find that you have too much coverage, which means wasted money every month. Check to see if you can decrease any of your insurance policies to help you save hundreds or thousands of dollars each year.

For all of your insurance coverage needs after reviewing your insurance policies, contact the insurance experts at Cappuccino Insurance Agency in Westlake Village, California. We will work with you to ensure that you have the right amount of protection, all at the right price.