When it comes to comparing commercial auto insurance quotes in New York, there are several factors to consider. Here are a few key points to keep in mind:
- Coverage limits: Make sure that the coverage limits of the policy you are considering are sufficient for your needs. This includes liability coverage, which covers damages or injuries that you may cause to others, and collision coverage, which covers damages to your own vehicle.
- Deductibles: Consider the size of the deductible when comparing quotes. A lower deductible may mean a higher premium, but it may also provide more protection in the event of a claim.
- Exclusions: Pay attention to any exclusions or limitations in the policy. For example, some policies may not cover certain types of vehicles or certain types of accidents.
- Extra coverage: If your business relies heavily on your vehicles, you may want to consider additional coverage options, such as towing and labor coverage or rental car reimbursement.
- Reputation: Research the reputation of the insurance company you are considering. Look for reviews and ratings online, and consider reaching out to other business owners who have experience with the company.
- Customer service: Consider the level of customer service offered by the insurance company. You want to make sure you have someone to turn to in the event of a claim or if you have any questions about your policy.
By considering these factors, you can make an informed decision about the commercial auto insurance policy that is right for your business in New York.
