{"id":6171,"date":"2020-02-28T00:04:00","date_gmt":"2020-02-28T06:04:00","guid":{"rendered":"http:\/\/calles-insurance.three.zysites.com\/blog\/how-to-save-money-on-commercial-auto-insurance\/"},"modified":"2025-08-19T14:58:32","modified_gmt":"2025-08-19T19:58:32","slug":"how-to-save-money-on-commercial-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.callesinsurance.com\/es\/blog\/how-to-save-money-on-commercial-auto-insurance\/","title":{"rendered":"How to Save Money on Commercial Auto Insurance"},"content":{"rendered":"<p><span style=\"font-family: Arial;\">Any business that owns vehicles needs commercial auto insurance, but it can be expensive.<a href=\"https:\/\/www.callesinsurance.com\/commercial_auto\/\"> Commercial auto insurance<\/a> costs an average of anywhere between $750 to $1,200 a year per vehicle. The type of vehicle matters when calculating cost. The average cost of insuring a semi-truck, for example, is $1,575 a year.<\/span><\/p>\n<p><span style=\"font-family: Arial;\"><br \/>\nTo know how to lower your commercial auto insurance rates, it\u2019s important to first understand what affects the cost.<\/span><\/p>\n<p><span style=\"font-family: Arial;\"><br \/>\n<strong>Why is Commercial Auto Insurance Expensive?<\/strong><br \/>\nCertain commercial vehicles require more insurance due to their size or the type of cargo they carry. More coverage means higher premiums. Other factors that influence the cost of your commercial auto insurance includes:<br \/>\n\u2022 Distance being traveled<br \/>\n\u2022 Driver experience<br \/>\n\u2022 Company\u2019s claims history<br \/>\n\u2022 Location<br \/>\n\u2022 Vehicle make and model<br \/>\n\u2022 Value of the vehicle<br \/>\n\u2022 Number of vehicles on the policy<br \/>\n\u2022 Purpose of use for the vehicle<\/span><\/p>\n<p><span style=\"font-family: Arial;\"><br \/>\nEven if the insured (the business owner who owns the policy) has a good driving record, that won\u2019t always mean that your commercial auto insurance rates will be low. The drivers you employ can also affect your commercial auto insurance rates. Inexperienced drivers or drivers with a bad record can hike up your insurance rates. If your company has a long history of insurance claims, your premiums are also likely to be higher.<\/span><\/p>\n<p><span style=\"font-family: Arial;\"><br \/>\nFor some vehicles, high insurance premiums are inevitable due to the nature of their use. Vehicles that transport hazardous substances will cost more to insure due to the danger they present.<\/span><\/p>\n<p><span style=\"font-family: Arial;\"><br \/>\n<strong>Ways to Lower Your Commercial Auto Insurance Rates<\/strong><br \/>\nConsidering what affects your commercial auto insurance rates, you can take measures to lower them.<br \/>\n1. Conduct extensive background checks on all drivers<br \/>\n2. Choose a higher deductible. You\u2019ll have to pay more if an accident does occur, but your monthly premiums will be lower.<br \/>\n3. Get quotes from multiple insurance companies to find the best price<br \/>\n4. Ask about discounts<br \/>\n5. Pay in full. Some insurance companies provide discounts to business owners who pay in full.<br \/>\n6. Set up an auto draft. An auto draft can also earn you a discount and cuts out any possible filing or processing fees.<br \/>\n7. Bundle your business policies<br \/>\n8. Invest in anti-theft devices for vehicles<br \/>\n9. Purchase vehicles with high safety ratings<br \/>\n10. Trim extra coverage<br \/>\nAlthough more coverage means higher premiums, it\u2019s still important to have enough auto insurance to protect your company\u2019s commercial vehicles.\u00a0<\/span><\/p>\n<div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Any business that owns vehicles needs commercial auto insurance, but it can be expensive. Commercial auto insurance costs an average of anywhere between $750 to $1,200 a year per vehicle. The type of vehicle matters when calculating cost. The average cost of insuring a semi-truck, for example, is $1,575 a year. To know how to [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[24],"class_list":["post-6171","post","type-post","status-publish","format-standard","hentry","category-blog","tag-commercial-auto-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=6171"}],"version-history":[{"count":0,"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/posts\/6171\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=6171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=6171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.callesinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=6171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}