Auto Insurance in Belton, South Carolina

Auto insurance is a critical aspect of responsible vehicle ownership in Belton, South Carolina. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of South Carolina.

Understanding Vehicle Coverage in Belton

When it comes to vehicle coverage in Belton, South Carolina, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in South Carolina

Car insurance holds paramount importance in South Carolina, and Belton is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In South Carolina, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Belton, South Carolina involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including South Carolina, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Belton, South Carolina, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Belton South Carolina Auto Coverage

Understanding the intricacies of auto insurance coverage in Belton, South Carolina, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by South Carolina law, and additional coverage options that residents in Belton might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Belton have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in South Carolina: Every state, including South Carolina, has its own set of minimum auto insurance requirements. In South Carolina, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Belton: While meeting the state's minimum requirements is mandatory, many Belton residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Belton requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Belton South Carolina

Affordable Auto Insurance in Belton, South Carolina is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Belton:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including South Carolina, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Belton.

Belton Car Insurance Rates

Car insurance rates in Belton, South Carolina, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including South Carolina, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Belton, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Belton, South Carolina:

Keeping an eye on insurance rate trends in Belton is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Belton market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Belton, South Carolina.

Best Auto Insurance Companies in Belton

When it comes to securing the best auto insurance in Belton, South Carolina, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Belton residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Belton Assurance Services

• Why Choose Belton Assurance: Known for its local presence and personalized service, Belton Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Belton Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Belton Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Belton, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Belton, South Carolina

Insuring your vehicle in Belton involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Belton

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Belton residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Belton residents.

Tips for Insuring Your Car in Belton

Insuring your car in Belton, South Carolina, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand South Carolina's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of South Carolina.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Belton becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Belton South Carolina

When it comes to securing auto insurance in Belton, South Carolina, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Belton, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of South Carolina's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Belton area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Belton region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Belton:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Belton. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Belton. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Belton not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Belton, South Carolina

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Belton residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Belton, South Carolina, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Belton, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: South Carolina's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in South Carolina. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Belton, South Carolina, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Belton's unique risks can help vehicle owners make informed decisions about their insurance coverage.

• Hired and non-owned auto insurance

• Hired and non-owned auto insurance

• This policy provides liability coverage for accidents involving personal, leased, or rental vehicles used by your business.

• Why is hired and non-owned auto insurance important?

• Commercial auto insurance only covers business-owned vehicles. Hired and non-owned auto insurance (HNOA) protects vehicles that your business uses but doesn’t own, such as rented, leased, and personal vehicles.

• Hired and non-owned auto insurance coverage can help you avoid having to pay for auto liability lawsuits on your own. This type of lawsuit can be extremely expensive, especially if someone is injured, and could financially devastate your small business.

• Your personal auto policy covers you while driving to and from work, though it might not cover you for work-related accidents that could happen while performing work-related tasks, such as picking up supplies or making deliveries. That means you could be personally liable for non-owned auto liability lawsuits unless you have HNOA insurance coverage.

• HNOA insurance provides coverage for:

• What does hired and non-owned auto insurance cover?

• HNOA insurance helps cover liability expenses, including lawsuits, related to car accidents that occur in your personal, rented, or leased car that you use for business purposes.

• Specifically, HNOA insurance coverage includes:

• Property damage liability

• If you or one of your employees gets into an accident with their personal, rented or leased car and it causes physical damage to another vehicle or someone else's property, hired and non-owned vehicle insurance can help cover your legal costs.

• Bodily injury liability

• HNOA insurance can help cover the cost of a lawsuit if a personal, rented, or leased vehicle driven for your business injures someone.

• How much does hired and non-owned auto insurance cost?

• Your HNOA insurance cost is based on several factors, including:

• Top professions that need non-owned auto insurance

• Don't see your profession? Don't worry. We insure most businesses.

• How to get business liability insurance

• We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build.

• Start here. Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.

• Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.

• Always online, always on your side. Helping protect your business.

• How does HNOA insurance work?

• Many businesses add hired and non-owned auto coverage to their general liability insurance policy. You can also purchase HNOA insurance separately, but sometimes buying the policies together can lower your insurance rates.

• If your small business has higher than average non-owned auto liabilities, you can increase your coverage limit with commercial umbrella insurance. Umbrella insurance increases your maximum policy limit, meaning your insurance company can cover more expensive lawsuits.

• Who needs hired and non-owned auto insurance?

• Non-owned auto insurance benefits a variety of small business owners that utilize personal, leased or rented vehicles for their business.

• You might consider a HNOA insurance policy if:

• You or your employees use a personal car

• Small businesses often need this coverage without realizing it. You might not think it’s a big deal to occasionally ask employees to use their own vehicles for work errands. But that can lead to auto liability issues.

• For example, an employee might be involved in an accident while driving their own car to meet a client. Because personal auto insurance doesn’t cover work driving, the other party could sue to recoup medical expenses or repair costs.

• You're an independent contractor or self-employed

• If you're an independent contractor or self-employed, your personal auto insurance won't provide protection if you're in an accident while completing a work errand. HNOA insurance would provide the same coverage to you as if you're an employee.

• You rent vehicles

• If your business rents vehicles, including trucks or vans, HNOA insurance would provide  coverage for your rented automobiles.

• For example, if you or an employee has an accident while driving a rental car during a delivery run, HNOA insurance covers the costs of any resulting lawsuits.

• What does non-owned auto insurance not cover?

• While non-owned auto insurance does provide coverage for several liabilities, it does not provide all the protection that a small business might need.

• For instance, a HNOA policy does not cover:

• Auto repairs

• Hired and non-owned auto insurance only includes liability protection. It will not pay for vehicle damage or theft.

• You should look to your personal auto insurance policy or rental agreement for coverage. However, this option might not be included in a standard policy.

• Business-owned vehicles

• Commercial auto insurance, not hired and non-owned auto insurance, helps pay for medical bills and property damage related to an accident in a business-owned vehicle.

• A commercial auto policy also covers vehicle theft and other types of damage to a company vehicle. You can often add endorsements to your commercial auto policy, such as drive other car insurance, to expand your coverage.

• Read more to learn the difference between commercial auto and non-owned insurance.

• Personal use of vehicles

• Hired auto insurance only covers accidents that take place while you’re using a personal or rented vehicle for work purposes. It doesn’t cover accidents that happen while you’re using the vehicle for personal errands, which includes your commute to and from work.

• Recently purchased vehicles

• If you purchase a non-business vehicle and it's not yet covered by your HNOA policy, you would be responsible for any liabilities that may occur to the vehicle.

• In order to protect any recently purchased non-business vehicles, you should get any auto liability coverage, which offers a temporary extension of your hired and non-owned auto coverage.

• Other important policies for small businesses that purchase HNOA insurance

• While hired and non-owned auto insurance can be an important part of your risk management plan, you should consider these other small business insurance policies to fully protect your business from financial losses:

• General liability insurance: This covers common business risks like customer injury, customer property damage, advertising injury, and copyright infringement. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.

• Business owner's policy (BOP): A BOP bundles general liability coverage and commercial property insurance at a discount. It protects against the most common third-party lawsuits and property damage.

• Errors and omissions insurance (E&O): Also known as professional liability insurance, E&O insurance protects small businesses against the costs of client lawsuits over unsatisfactory work.

• Cyber insurance: Also known as cyber liability insurance, this policy insures against the costs of data breaches and cyberattacks. It covers things like customer notification, credit monitoring, legal fees, and fines.

• Workers’ compensation insurance: This is required in most states for businesses with one or more employees. It covers the medical costs and lost wages over work-related injuries and illnesses.

• FAQs about hired and non-owned auto insurance

• Get answers to frequently asked questions about hired and non-owned auto insurance.

• What is the difference between HNOA and personal auto insurance?

• Personal auto insurance policies only cover claims related to personal use, including your commute and travel unrelated to work. They have lower limits and usually cost less.

• If you’re involved in an accident while driving your personal car for work, your insurance company might refuse your claim. That’s why small business owners who own a car used for work should consider commercial auto insurance or HNOA coverage. If you’re uncertain which policy you need, check with an insurance agent.

• Read more about the difference between personal and HNOA insurance.

• What are HNOA insurance limits?

• HNOA insurance limits can be defined as the maximum amount of money your insurance company will pay. These limits are set when purchasing your HNOA policy and often match the limits of your general liability policy.

• Among Insureon policyholders, the average limit is $1 million for auto insurance.

• How do I get proof of insurance?

• Business owners can usually get proof of insurance online on the same day that they start a small business insurance policy through Insureon.

• It can take several weeks for a traditional insurance agency to send a certificate of liability insurance to new customers. That’s an issue for business owners who need immediate proof of insurance.

• With Insureon, you can quickly provide proof before a vehicle is used for business purposes. If your bank or lessor requires other proof of insurance, you can contact an agent for more information.

• Where can I learn more about hired and non-owned auto insurance?

• If you want to learn more about this policy, you can find additional answers in our frequently asked questions about hired and non-owned auto insurance.

• If you have any additional questions about coverage or building your risk management plan, you can contact an Insureon agent.

• Commercial auto insurance is required in most states for small businesses that have company-owned vehicles. However, it can get costly depending on your risk factors, such as your driving history. Learn how you can pay less for auto insurance and still get the protection your business needs.