Articles Editor's Blog Reader Mail

Business Car Insurance Mandan ND

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 Mandan, ND that can help answer your questions about Business Car Insurance.

Gateway Insurance Agency
(701) 223-5812
2021 E Main
Bismarck, ND
American Family Insurance
(701) 222-0768
2110 E Thayer Ave
Bismarck, ND
Insurance Services
(701) 224-1010
1929 N Washington St
Bismarck, ND
Walz Financial Services
(701) 222-0760
2207 E Main Ave
Bismarck, ND
Huseby Jack Adv
(701) 258-5083
110 Riverside Park Rd
Bismarck, ND
Vaaler Insurance
(701) 258-2800
300 N 4th St
Bismarck, ND
Gab Business Services Inc
(701) 223-5927
1025 N 3rd St
Bismarck, ND
Thrivent Financial For Lutherans
(701) 255-4090
1301 N 23rd St
Bismarck, ND
Professional Insurance Agents Of North Dakota
(701) 223-5025
1211 Memorial Hwy
Bismarck, ND
American Income Life
(701) 221-0522
919 S 7th St Ste 507
Bismarck, ND

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