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Every business owner wants to save money. Often Organizations will over look car insurance as a way to save money. Below are a few tips to save money on commercial auto insurance:

Strategize

Step 1 – Devise a maintenance plan for each of the company vehicles. This could be as simple as following the manufacturers recommended schedule, or more in depth depending on your companies preference. Whatever the case is, write it down and stick by it.

Step 2 – Inspect the driving records of any employees that will be using the vehicles on a regular basis. Make certain the every employee who drives a company vehicle has a quality record.

Step 3 – Look into defensive driving programs. By taking the time to enroll your driving employees in a driving program every few years, not only will your commitment to safety be seen by the drivers, but it may even help lower your insurance rates down the road.

Current Policy

Step 1 – Inspect company deductibles. Have you ever Sacramento auto insurance been required to file a claim? If so, how long ago was it? Depending on the time frame, you may be able to save a little by raising your deductibles.

Step 2 – In cases where older vehicles have separate policies, you may choose to drop comprehensive and collision coverage. Check out your options is your insurance agent.

Step 3 – Regardless, get in contact with your agent and find out just how much money you might be able to save by raising your deductibles. You never know what you could be saving…

Quotes

Step 1 – Check up on current prices on a regular basis and compare them. Rates are constantly changing. If you are able to find a better service at a better price, lock it in, and see if you current company can match it.

Step 2 – Each year, take the time to obtain at least three quotes from different insurance providers. Be sure to discuss your safety plans that were outlined above, and provide them with an up-to-date claims history report.

Step 3 – Once you have found a new company, ask for a three-year policy. This will ensure that your premium is locked down for the next three years solid. There is really no harm in asking. After all, the worst they can say is no.

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