Commercial Auto Insurance Throughout Texas

Commercial auto insurance can help manage risks that arise from operating business vehicles, such as carrying goods, visiting job sites or transporting employees.

Who Should Get Commercial Auto Insurance?

Businesses that own, lease or use vehicles for work, such as contractors, delivery services and fleet managers, often require commercial auto insurance. Coverage may apply even if there is only one business vehicle.

Most states require minimum liability coverage for business vehicles operating on public roads. Additional coverage may be recommended depending on your operations.

What Does It Cover?

A typical commercial auto policy may include:

• Liability coverage for third-party bodily injury and property damage
• Physical damage coverage (e.g., collision and comprehensive)
• Medical payments (MedPay) coverage or personal injury protection (PIP)
• Uninsured/underinsured motorist coverage
• Coverage for hired or non-owned vehicles
• Fleet insurance options for businesses with multiple vehicles

How Much Does It Cost?

Rates can vary based on several factors, including:

• Industry
• Vehicle details (e.g., value, age, make and model)
• Coverage limits
• Location
• Claims history
• Annual mileage
• Driving records
• Deductibles

How Can I Lower My Premium?

There are several ways you may be able to reduce your commercial auto insurance costs, such as:

• Bundling multiple policies with the same provider
• Shopping around to compare policies from multiple carriers
• Maintaining an accident-free driving record

• Keeping a strong business credit history
• Having employees complete defensive driving training and safety courses

• Installing telematics devices to track vehicle usage and driver behavior

State regulations and policy terms may also affect your final rate. Your broker can review options and suggest additional ways to lower insurance costs.

Get Commercial Auto Insurance Near You

Contact AAAA Insurance to discuss your options and get a personalized quote.