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Business Car Insurance Hinsdale IL

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 Hinsdale, IL that can help answer your questions about Business Car Insurance.

Timothy Frisby
210 W. 22nd St. Suite 137
Oak Brook, IL
Company
Title: Principal
Company: WealthCare Consultants
Type
Registered Investor: Yes
Education
Marquette BS
Years Experience
Years Experience: 20
Service
Retirement Planning,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,Wealth Engineering,401k Rollover From Employer,Inc

Data Provided by:
Esser Hayes Insurance Group
(630) 355-2077
1811 High Grove Ln Ste 139
Naperville, IL
 
FarmerBrown.com
(773) 777-2100
4339 West Irving Park Ave.
Chicago, IL
 
American Family Insurance
(312) 563-1100
2159 W Madison St
Chicago, IL
 
426 Incorporated
(312) 334-9100
955 W Fulton Market
Chicago, IL
 
McLaughlin Law P.C.
(630) 861-8842
444 E. Roosevelt Road Suite 169
Lombard, IL
 
State Farm Insurance Companies
(630) 961-2500
931 W 75th St
Naperville, IL
 
Farmers Insurance Magda Woroniecki
(847) 621-0888
2300 E Higgins Rd, Suite 204
Elk Grove Village, IL
 
Freddie Villacci, State Farm Insurance
(773) 463-7733
2241 W Irving Park Road Suite 1E
Chicago, IL
Alternate Phone Number
(773) 463-7733
Services
Insurance
Prices and/or Promotions
00

top financial planner
(773) 787-9992
2140 W Belmont
Chicago, IL
 
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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