Fleet Auto Insurance California
If you own a car in California, there are several options to get yourself a quality California Fleet Insurance quote. You might have heard that such insurance is quite expensive. In fact, it can cost you more than what you pay for your own car. However, this is completely a misconception and an unneeded worry, because car owners do not need to pay a large sum of money just because their cars are operated by a single entity. Instead, what they need to worry about is their liability coverage and/or their comprehensive coverage that they pay yearly for their personal cars.
In California, fleets are usually 15 or more commercial vehicles in total, and which are all registered under one business name. It would be considered a fleet, when you purchase more than five commercial vehicles within a 12-month time span. Generally, it’s the insurer’s decision as to the classification of the commercial vehicles. Most insurance companies use the same criteria, but they really only differ on a few relatable points…for example, how long the drivers have been working with the company, and their identification (or drivers) license number. Your vehicle’s identification number is your “license to operate”, and it would make sense to have this with you whenever you show up at an insurance office.
All California fleet auto insurance agents require you to present your identification card or driver’s license number upon purchase. This is necessary to the insurance agent, who will use it to run all necessary checks before processing your claim. It is also needed to the California Bureau of Motor Vehicles (DMV), as well. The reason why the DMV requires this is because it verifies your legal driving history, and the accuracy of your information submitted to them. Additionally, the card verifies that you are at least 21 years old. So, even if you are in your early twenties, you still must have an identification card from the DMV.
Many drivers purchase both general liability and collision coverage for their cars and trucks, even if they do not own the vehicle. There are many great benefits of purchasing both types of coverage, which include financial protection for the owner in the event of damages, or injury caused by an accident with your automobile. There are also many tax incentives available to individuals who purchase a liability only insurance policy. Also, this type of policy usually provides you with less costly collision protection, compared to the cost of purchasing both types of coverage individually. Many California fleet insurance agents believe that liability only coverage offers the best bang for the buck, as well as the most comprehensive collision and medical coverage that are available in today’s insurance market.
Another benefit of purchasing insurance through the Department of Motor Vehicles is that it gives you a choice of which vehicles you want to insure. So, if you own an SUV, you may want to consider including it in your fleet insurance policy. You can also insure a truck if you need to, since most people do purchase trucks for transporting items, goods, and passengers. Just be sure to acquire California fleet insurance for your trucks, so that you are covered when driving on the roads in California. Many insurance companies offer discounts for policies that cover more than one vehicle, or for policies that are purchased online.
It is important to remember that each insurance company will have a different definition of what vehicles you can insure, and each company will require different amounts of coverage. As a result, you may want to contact several insurance companies in order to obtain the best quote. In addition, when you purchase a policy from the DMV, you will be given a copy of the policy for your vehicles, which will provide you with valuable information every time you have to renew your current fleet insurance policy.