{"id":559,"date":"2024-04-29T15:14:14","date_gmt":"2024-04-29T20:14:14","guid":{"rendered":"https:\/\/www.facilinsurance.com\/?p=559"},"modified":"2024-04-30T07:27:54","modified_gmt":"2024-04-30T12:27:54","slug":"commercial-auto-insurance","status":"publish","type":"post","link":"https:\/\/www.facilinsurance.com\/es\/blog\/commercial-auto-insurance\/","title":{"rendered":"Commercial Auto Insurance"},"content":{"rendered":"<p><span data-contrast=\"auto\">Operating a business often involves the use of vehicles. Whether for delivering goods, transporting employees or providing services, commercial vehicles are vital to many businesses. Commercial auto insurance can help provide essential financial protection for your organization.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-560 lazyload\" data-src=\"https:\/\/www.facilinsurance.com\/wp-content\/uploads\/sites\/227\/2024\/04\/7736045.jpg\" alt=\"Woman in Beige Corporate Clothes Holding Black Folder\" width=\"1600\" height=\"1200\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1600px; --smush-placeholder-aspect-ratio: 1600\/1200;\" \/><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Understanding Commercial Auto Insurance<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Commercial auto insurance is designed to help cover vehicles used for business purposes. Unlike personal auto insurance, which covers your vehicle for personal use only, commercial auto insurance covers the unique risks associated with the business use of a vehicle. This could include transporting goods or people, towing a trailer used for business or employees driving a company car.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Who Needs Commercial Auto Insurance?\u00a0<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">In <\/span><span data-contrast=\"auto\">Arizona<\/span><span data-contrast=\"auto\">, if your business uses vehicles, regardless of size or type, you are required to have commercial auto insurance, including bodily injury and property damage liability coverage that meets the state\u2019s minimum requirements. If your company uses certain types of heavy trucks, you may be required to purchase additional commercial auto liability insurance coverage.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Your agent can help determine how best to insure your business against the risks and perils associated with using vehicles for business purposes.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">How Much Does Commercial Auto Insurance in Arizona Cost?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Numerous factors can influence the cost of commercial auto insurance, including the following:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Industry and profession<\/span><\/b><span data-contrast=\"auto\">\u2014Higher-risk professions, such as specialty trade contractors who travel frequently for work, typically pay more for commercial auto insurance.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Vehicle type and value<\/span><\/b><span data-contrast=\"auto\">\u2014The insured vehicle\u2019s size, potential repair and replacement costs significantly impact your commercial auto insurance rates.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Coverage choices and policy limits<\/span><\/b><span data-contrast=\"auto\">\u2014Commercial auto insurance is highly customizable, and the policies and endorsements you choose can trigger higher premiums. A policy providing liability coverage typically costs less than a policy that includes comprehensive and collision insurance coverage.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"11\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Driving history<\/span><\/b><span data-contrast=\"auto\">\u2014Employees who will drive company vehicles and who have at-fault accidents or moving violations on their driving record can cause higher commercial auto insurance rates. Your insurer may run motor vehicle reports on employees who drive company vehicles.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">It\u2019s essential to shop around for appropriate commercial auto insurance coverage. Your agent can help your company compare quotes to get favorable rates.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h3><span data-contrast=\"none\">Contact Us<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">Contact <\/span><span data-contrast=\"auto\">Facil Insurance LLC<\/span><span data-contrast=\"auto\"> in <\/span><span data-contrast=\"auto\">Phoenix, Arizona<\/span><span data-contrast=\"auto\">, to learn more about your <a href=\"https:\/\/www.facilinsurance.com\/coverage\/commercial-auto\/\">commercial auto insurance<\/a> options and get a personalized quote.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><i><span data-contrast=\"auto\">This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.<\/span><\/i><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Operating a business often involves the use of vehicles. Whether for delivering goods, transporting employees or providing services, commercial vehicles [&hellip;]<\/p>\n","protected":false},"author":280,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"1","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_analytify_skip_tracking":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-559","post","type-post","status-publish","format-standard","hentry","category-blog"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/posts\/559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/users\/280"}],"replies":[{"embeddable":true,"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/comments?post=559"}],"version-history":[{"count":0,"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/posts\/559\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/media?parent=559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/categories?post=559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.facilinsurance.com\/es\/wp-json\/wp\/v2\/tags?post=559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}