Auto insurance comes in many forms depending on the type of vehicles you have and the extent of coverage you want. One common question is whether to choose personal auto coverage or commercial auto coverage. If you are unsure of which type of policy you need, please discuss your options with our skilled on-staff agents today.
If you own a personal vehicle and do not own a business, it is likely that you will need to select personal auto insurance. Even if you drive for work, your employer should provide the coverage for your work vehicle and you will provide the coverage for your personal vehicle.
On the other hand, if you own a business that has vehicles and drivers, personal auto insurance will likely not suffice for several reasons. Some of those reasons include the following:
- Commercial Auto Insurance does not provide the breadth of coverage an individual or an individual’s family needs.
- Commercial vehicles are registered differently than vehicles for personal use and, therefore, insurance companies require different information for quotes and policies.
Because commercial auto insurance generally provides significantly more/different, it can be more costly. For this reason, as a consumer, you want to ensure you steer clear of commercial insurance and simply get a personal policy. If you own a small business and use your car for both work and personal reasons, you should discuss your insurance needs with one of our experienced agents to determine which type of policy is best suited for your situation. While anyone can apply for a commercial policy, it is not the right type of policy for everyone and you can save money if you only need a personal policy.
Whether you need personal or commercial auto insurance, you want to ensure that you have an adequate amount of coverage. Our team can determine an appropriate coverage amount based on your type of vehicle, your family, and more.
Call 203-367-7704 for a Free Quote Today!
Navigating the many different options for auto insurance can be confusing and you want to make sure you get the right policy for the right price. At the Connecticut insurance agency of Berliner-Gelfand & Co., Inc., we will evaluate all of your insurance needs, make recommendations for the right type of coverage, and search for the best rates for you. Please call us today to learn more about how we can help you 203-367-7704.