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Business Car Insurance Prairieville LA

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 Prairieville, LA that can help answer your questions about Business Car Insurance.

Chad Olivier
4609 Bluebonnet Blvd
Baton Rouge, LA
Company: The Olivier Group, LLC
Investment Advisor Rep: Yes
Northeast LA University/ Finance minor Economics
Years Experience
Years Experience: 14
Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,Wealth Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Fun

Data Provided by:
Employees Insurance Reps
(225) 273-1471
2645 Oneal Ln Bldg B-A
Baton Rouge, LA
Helouin Insurance Agency
(225) 291-2704
3127 Cavalier Dr
Baton Rouge, LA
Juban Insurance Group
(225) 291-0405
4319 Bluebonnet Blvd
Baton Rouge, LA
Prudential Financial
(225) 767-4656
172 Lee Dr
Baton Rouge, LA
Hailey Insurance Services
(225) 296-0858
10754 Mead Rd
Baton Rouge, LA
Louisiana Gulf Insurance Agency
(225) 272-4004
14689 Old Hammond Hwy
Baton Rouge, LA
Shepherd Insurance Agency
(225) 767-8841
6161 Shepherd Rd
Baton Rouge, LA
3rd Millennium Insurance & Financial Services Inc
(225) 757-2256
8116 One Calais Ave
Baton Rouge, LA
Fourrier Insurance
(225) 383-0682
4275 Government St
Baton Rouge, LA
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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