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Commercial Auto Insurance in Kent, OH

For businesses in Kent securing the right auto insurance is essential to protect your vehicles and overall operations. Commercial auto insurance provides tailored coverage to meet the unique needs of businesses, ensuring protection against various risks and liabilities.

Understanding Coverage Options

When considering commercial auto insurance, it’s important to understand the different types of coverage available.

Liability protection is a fundamental component and is designed to help cover bodily injury and property damage caused by your company vehicles. This can help ensure that if an accident occurs, your business is protected from significant financial loss. This coverage pays only up to the policy’s dollar limits, so your agent may recommend purchasing more than the minimum required amount of coverage.

Additionally, collision coverage may pay for damage to your vehicles resulting from collisions, regardless of fault, while comprehensive coverage may protect against non-collision-related damage, such as theft, vandalism or natural disasters.

Your agent may recommend a range of other policies and endorsements to provide coverage tailored to your company’s needs.

Factors Influencing Premiums

Several factors can influence the cost of your commercial auto insurance premiums. The type and usage of your vehicles plays a significant role. For instance, vehicles used for high-risk activities, such as delivery or passenger transport, may incur higher premiums.

The driving history of your employees is another critical factor. Clean records can help lower premiums, while a history of accidents or violations can increase costs. Additionally, the location of your business can impact your rates. Areas with higher traffic density or crime rates may lead to higher premiums.

Finally, the coverage limits and deductibles you choose affect your premiums. Higher coverage limits and lower deductibles generally result in higher premiums but provide greater protection.

Contact Us

Our agents can help you get quotes from multiple insurance providers to find the best coverage at a competitive price. Contact Advantage Insurance Agency for a personalized commercial auto insurance quote.

 

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