Commercial car insurance is sometimes also known as business car insurance. It is quite different to personal in that the cover extends to cover the vehicle and its’ associated liabilities if an accident should happen. This could (depending on your cover) be loss-of-income, lawyers fees etc.

The first thing that has to be clarified regarding Commercial Car Insurance is that it is treated very differently to personal car insurance and thus the costs are substantially different. The premium payable for commercial car insurance depends largely what the car will be used for during its life as a commercial car.

Generally it is accepted that vehicles for commercial use should be more heavily insured compared to personal vehicles as the liability and risk stemming from the use of the car is greater. It is then acceptable that most commercial car insurance covers are more expensive than personal vehicle covers and the more central your vehicle is to the running of your business, the heavier it should be insured and thus the more expensive it will be.

It is unfortunate that many of the big name commercial car insurers don’t provide an online portal to get quotes however smaller players such as Progressive, InsuranceTrader.com, QuoteMeInsurance.com & US Insurance Online which do provide a quoting service online. I recommend that you get a quote using these services then use it to compare against the larger companies. You should note that the quotes are generally quite cheap if you compare it against the bigger players. Please note that this is because these smaller players want you desperately to expand their customer base.

Most of the larger insurers such as AIG, The Hartford, Liberty Mutual etc do offer comprehensive commercial car insurance however don’t offer a quoting service online. This is because of the huge variations of quote available for each business type and activity of the vehicle. Your best bet is to contract an independent insurance agent and get them to do the legwork.