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  • Writer's pictureRonelle Hunte-Roddy

Cruisin' Safely: Navigating the Roads of Commercial Auto Insurance in Georgia

Rev up your engines, fellow Georgians, because we're diving into the thrilling world of commercial auto insurance in the Peach State! Whether you're running a fleet of delivery trucks or just a single snazzy ride for your business, the roads of Georgia demand insurance coverage that's as robust as a Southern barbecue. So, buckle up and let's explore the ins and outs of commercial auto insurance in this charming state.

Truck driving
Cargo Van Delivering Goods

Choosing Your Commercial Auto Carrier: The Roadmap to Success

  1. License to Thrill: Ensure your carrier is licensed in Georgia. A valid license is your first checkpoint for a smooth ride.

  2. Customer Reviews Pit Stop: Hit the brakes and check online reviews. What are other business owners saying? Positive reviews are like the green light, but watch out for red flags!

  3. Coverage Options Garage: Different businesses have different needs. Whether you're transporting goods or shuttling clients, make sure your carrier offers coverage that aligns with your business model.

  4. Claims Reputation Highway: Investigate the carrier's claims process. A carrier with a speedy and hassle-free claims procedure is your pit crew in times of need.

  5. Discount Detour: Look for carriers offering discounts. Safe driving records, bundled policies, and even safety features on your vehicles can lead to significant savings.

Business car insurance helps protect you and your employees on the road if you’re driving a commercial vehicle for business. If you get into a car accident, this type of business insurance can help cover property damage or bodily injury claims (1)

Costs of Cruising: How Much for the Open Road?

  1. The Premium Fuel Factor: Premiums are like fuel for your insurance journey. The type of vehicle, its purpose, and your driving history all contribute to the premium cost.

  2. Mileage Marathon: How far and wide do your wheels roll? Mileage is a major factor; the more you drive, the higher the premium. Consider mileage limits to keep costs down.

  3. Vehicle Valuation Turn: The value of your vehicles impacts costs. Newer models can command higher premiums, so weigh the cost of replacement against your insurance budget.

  4. Coverage Junctions: The coverage you choose affects costs. Liability-only coverage is cheaper but might leave you exposed. Comprehensive coverage may cost more but offers a broader safety net.

  5. Claims History Roundabout: Your past claims history influences your premium. A clean slate can lead to lower costs, so drive cautiously and save big.

  6. Screen Your Drivers: Drivers with Bad MVRs and or accidents can render a higher premium and/or ineligible by the companies standards. This can lead to breaks in coverage as well as higher premium across the board with other carriers.

  7. What does your Broker Require?: Are you driving under someone else's authority or hauling loads for others. By law, they can stipulate additional coverages that may require additional premiums such as hired and non-owned auto, waiver of subrogation, as well as additional insured.

How much do you think the Average Business Owner pays for Commercial Auto Insurance?

  • $0 to $10,000 per year

  • $10,000 to $20,000 per year

  • $20,000 to $30,000 per year

  • $30,000 to $40,000 per year

Deductibles: Navigating the Cost Off-Ramp

  1. Deductible Definition Merge: Understand what deductibles are. It's the amount you pay out of pocket before your insurance kicks in.

  2. Deductible Dilemma: Higher deductibles mean lower premiums but potentially higher out-of-pocket costs in the event of a claim. Find the sweet spot that balances upfront costs with long-term savings.

  3. Safety Gear Upgrade: Installing safety features can help lower your deductible. It's like adding airbags to your policy—safety first, savings second.

  4. Deductible Discounts Avenue: Some carriers offer deductible discounts. If you're confident in your driving skills and can handle a higher deductible, you might be rewarded with lower premiums.

  5. Deductible Playbook: Review your deductible annually. As your business evolves and assets change, adjust your deductible accordingly. It's like fine-tuning your vehicle for optimal performance.

What Industries Need Commercial Auto Insurance

  1. Wholesalers & Distributors

  2. Rideshare and Food Delivery Drivers

  3. Photographers

  4. Caterers

  5. Food Truck Operators

  6. Contractors

  7. Restaurants

  8. Retailers

  9. New & Used Car Dealers

  10. Realtors and Real Estates Developers

***Please note that the list above is not all inclusive. If you are using a vehicle for anything other than a commute, simple errands, or a road trip, it is highly likely that you may qualify and need to consider a commercial auto policy.***

According to Automotive Fleet magazine, “The annual accident rate for commercial fleets is around 20%, with some industries, such as pharmaceuticals, even higher.” That’s right – at least 20% of commercial vehicles are involved in an accident every year(2).

So, there you have it—your guide to the dazzling world of commercial auto insurance in Georgia. Remember, it's not just about getting from point A to point B; it's about enjoying the journey with the peace of mind that comes from knowing you're well-covered. Happy driving, Georgia business owners!


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