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Business Car Insurance Evergreen CO

This page provides relevant content and local businesses that can help with your search for information on Business Car Insurance. You will find informative articles about Business Car Insurance, including "Auto Insurance for Those Who Work from Their Veichle". Below you will also find local businesses that may provide the products or services you are looking for. Please scroll down to find the local resources in Evergreen, CO that can help answer your questions about Business Car Insurance.

Dot Mechtenberg
8100 Ralston Road
Arvada, CO
Company
Company: Dot Mechtenberg, Inc.
Type
Investment Advisor Rep: Yes
Years Experience
Years Experience: 40
Service
Portfolio Engineering,401k Rollover From Employer,CD Alternative,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Captive Insurance,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class P

Data Provided by:
COBIZ INSURANCE, INC.
(303) 988-0446
10901 W. Toller Dr.
Littleton, CO
 
DAGLEY INSURANCE AND FINANCIAL SERVICES
(720) 381-2695
10125 W San Juan
Littleton, CO
 
STATE FARM INSURANCE - BILL ROUSE
(303) 424-0420
4350 Wadsworth Boulevard
Wheat Ridge, CO
 
KAUFMAN FARMERS INSURANCE AND FINANCIAL, INC.
(303) 934-8330
739 West Littleton Blvd
Littleton, CO
 
Community First Insurance, LLC
(720) 621-5196
12890 W. 15th Drive
Golden, CO
Alternate Phone Number
720-621-5196
Services
Business Insurance

Rick Cline Agency
(303) 932-1700
9200 W Cross Dr Ste 210
Littleton, CO
 
Colling Insurance Services, Inc.
(303) 987-3331
777 S. Wadsworth Blvd., #1-100
Denver, CO
 
HEALTH CHOICE ONE - JOHN WEKSLER
(303) 475-4565
2 West Dry Creek Circle, Suite 100
Littleton, CO
 
LAUTENBACH INSURANCE AGENCY LLC
(303) 798-2534
5721 S. Nevada Street
Littleton, CO
 
Data Provided by:

Auto Insurance for Those Who Work from Their Veichle

Car Insurance Business

Technically, this has nothing to do with your business. However, if you are using your car for business purposes, you will need to insure that you have this coverage. In order to properly ensure your vehicle, if it is used for business - either transportation of product and supplies or for you to visit clients - you have to upgrade your car insurance.

Most insurance companies will distinguish between three types of primary usage of a vehicle:

  • "Commuting" means you mainly use your vehicle to drive to and from school or work.
  • "Pleasure" means you typically drive your vehicle for fun with no regular commuting or business use.
  • "Business/commercial" means you mainly use your vehicle for business purposes such as, sales, service and delivery calls or other work-related driving.

Most of us will not need business/commercial coverage, because we only use our vehicles for driving to work. The commuting level of coverage will be sufficient. The Business use designation is really for the person who is making intensive use of their vehicle for business purposes.

Be aware that insurers do vary in how they define these levels of coverage. Some insurers will actually include commuting with your vehicle under business use. Some insurers will also take into account your yearly mileage when they quote you a premium. It pays to have an idea of your yearly mileage and the distance to and from work, if you want to get the right coverage for your vehicle usage.

In most cases, business use will mean a higher premium. Why? You are driving the car more, in the vast majority of cases. This raises the risk to the insurer, and correspondingly, raises your premium.

So, why would you bother getting this insurance? The biggest reason is that you want to be covered in case of an accident. If the insurance company determines that you had an accident while the vehicle was being used for business, they can deny your claim. It's really ...

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