Three Reasons Why Your Business Needs a Commercial Auto Insurance Policy

Commercial auto insurance policies sometimes cost more than personal ones.  For many companies in Matthews, NC, a personal policy doesn’t provide enough coverage. Businesses typically need to carry a commercial one. Here’s why, along with how to find a commercial policy that isn’t too much more than a personal auto policy.

Why Businesses Need Commercial Auto Insurance

Companies should a carry commercial auto insurance policy, because they need the enhanced coverage that such a policy offers. Commercial auto insurance is required for:

  • vehicles that are owned by a company and not an individual
  • trucks that carry a commercial license
  • vehicles that need higher liability limits than personal policies usually offer

If any of these describe your company, then your business needs a commercial policy. This is the only way to insure a vehicle in your company name. It lets you insure any type of vehicle, including trucks that are larger than a pickup truck, at extremely high limits, should you need to carry such coverage.

How You Can Find Affordable Commercial Auto Insurance

Because commercial auto insurance often provides better coverage than the average personal policy, commercial coverage often costs a little more. At JC Demo Insurance Group, Inc., we can help you keep your premiums low, even when you purchase a commercial policy.  

Our independent agents will pull quotes from every company offering commercial coverage in Matthews, NC, and we’ll show you them side-by-side. With the help of an experienced, independent agent who works for you, not one of the insurers, you’ll be able to understand and compare each policy’s coverage and premiums. Then, you can select the best choice for your company. To get started, give us a call today.


Life Insurance Discounts You May Not Be Aware Of

The slogan of Mint Hill, NC promotes it is as “A great place to live, work and play.” Who can argue? It was named 13th on the list of 50 safest cities in North Carolina. Wilgrove Park is a terrific place to enjoy the outdoors, and events like “Mint Hill Madness” bring us together. There are also facilities like the Mint Hill Fine Arts Center that many have yet to discover.

We are an independent insurance agency serving Mint Hill. We can help you discover discounts on your insurance you may not be aware of, like life insurance. While age plays a large part in the price of life insurance, there are factors you can control that may earn you a discount. If you stop using tobacco products, for example, your life insurance could be cheaper. Keeping your weight down may save you money. Some companies offer discounts to those with safe driving records. You can also save by paying your premiums annually or by signing up for electronic payments.

The best way to save may be by comparing. As independent agents we can compare life insurance premiums from multiple companies. This gives you the opportunity to not only choose the company and coverage that is best for you, but also the premium that is most favorable.

If you live in the Mint Hill area, we invite you to get an auto or homeowners insurance quote online at our website. It is easy and convenient. For life and other insurance products, contact us at our office. We work hard to get you the coverage you need at the best possible prices, including any discounts you qualify for. Let’s find out all the ways you can save on your life insurance coverage. Call us today!