Articles Editor's Blog Reader Mail

Business Car Insurance Lahaina HI

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 Lahaina, HI that can help answer your questions about Business Car Insurance.

Citifinancial
(808) 661-4813
2580 Kekaa Dr Ste C
Lahaina, HI
 
State Farm Insurance
(808) 667-7888
325 Keawe St Ste 104
Lahaina, HI
 
D'Amato Michael
(808) 661-3542
674 Luakini St
Lahaina, HI
 
Allstate Insurance Companies
(808) 879-4309
357 Huku Lii Pl Ste B101
Kihei, HI
 
Insurance Factors
(808) 879-8122
1325 S Kihei Rd Ste 210
Kihei, HI
 
Fidelity National Title Insurance Company Inc
(808) 661-4960
181 Lahainaluna Rd Ste A
Lahaina, HI
 
New York Life Insurance Company
(808) 667-7664
727 Wainee St Ste 107
Lahaina, HI
 
Lance Migita State Farm Insurance Agency
(808) 874-2555
411 Huku Lii Pl Ste 304
Kihei, HI
 
Insurance Associates Inc
(808) 879-1602
2141 Awihi Pl Apt 1
Kihei, HI
 
Yamauchi Wayne T Insurance Agency Inc
(808) 329-6393
Lanihau Professional Ctr Ste 2006
Kailua Kona, HI
 

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 ...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap