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Business Car Insurance Rapid City SD

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 Rapid City, SD that can help answer your questions about Business Car Insurance.

Allstate Insurance Companies
(605) 388-3000
2040 W Main St Ste 203
Rapid City, SD
American Income Life
(605) 341-2070
1602 Mountain View Rd Ste 102
Rapid City, SD
Lewis Kirkeby & Hall Insurance Inc
(605) 348-1750
124 E St Joseph St
Rapid City, SD
Banks Johnson Kappelman & Becker Attorneys
(605) 341-2400
731 Saint Joseph St
Rapid City, SD
Bangs McCullen Butler Foye & Simmons LLP
(605) 343-1040
333 West Blvd
Rapid City, SD
Farm Bureau Financial Services
(605) 341-7600
2433 W Chicago St Ste B
Rapid City, SD
American Family Insurance
(605) 342-5448
2400 W Main St Ste J
Rapid City, SD
Modern Woodmen Of America
(605) 341-6115
628 6th St
Rapid City, SD
Banks Barton R
(605) 341-2400
731 Saint Joseph St
Rapid City, SD
Adamson-Maxwell Insurance
(605) 343-3810
916 Main Street, Suite 101
Rapid City, SD
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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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