Monthly Archives: April 2013
Wonder if one of your perceptions about vehicle insurance is myth or fact? Talk to a local agent. They can provide answers and help you determine which coverages are right for your business. Choose an Agency with the heart of a teacher. Be an informed client. Remember that your Agent works for you.
Fact: Many insurance companies are only available during regular office hours, which can make filing a claim, adding a vehicle to your policy and paying bills inconvenient. Before you buy, check with your insurance company to make sure they’re available when you need them.
Fact: You need a wide range of coverages to protect your business, from commercial vehicle insurance and general liability to workers’ compensation. While it might be easier to buy all of these products from the same company, you could save big bucks by buying your policies from separate providers. Shop around to find the best deal, or ask your local agent for quotes from several different companies. This is one of the competitive advantages of working with a Local Independant Agent.
Look for the Trusted choice logo.
Myth 4: Your employees are covered when they drive your business vehicles.
Fact: Some vehicle insurance companies will only extend coverage to drivers who are specifically named on the policy. Make sure your insurer allows “permissive use,” which means that all of your drivers are covered as long as they have your permission to operate the vehicle. Check your policy carefully – Don’t Assume.
Fact: This isn’t always the case. Some insurance companies offer payment plans that allow your insurance premium to be paid in installments, with very little initial payment. Keep in mind that you might qualify for a discount if you pay your policy premium in full up-front; however, your carrier or agent may also have other bill plan options available to help you manage your cash flow. At Gilliland Insurance Group, Inc we offer several bill plans, including low initial payments and some include no interest financing.