National car insurance companies are positioned within a very competitive market, and as a result their marketing campaigns can be a bit overwhelming. However, because each state has different auto insurance requirements and regulations it is important that your business select a company that is capable of keeping up with these standards. Obtaining coverage with a national automotive insurance company that you can trust will help you to alleviate many of the headaches related to business car insurance shopping.

Convenience and customer service are the two basic components to search for when looking for a national automotive insurance company. You want to find a company that can be contacted at a moments notice and that provides quick and easy access to policy information. Keep the following in mind when selecting a company to work with:

1. National auto insurance companies that have well established reputations are often seen as more reliable and trustworthy.

2. Nationwide car insurance companies that are relatively new to the industry can offer attractive policy discounts.

3. National automotive insurance companies that allow the consumer to apply and maintain their policy online can be a good time management tool.

Action Steps
The best contacts and resources to help you get it done

Rely on established reputations of national automotive insurance companies

Many businesses prefer to develop business relationships with insurance companies that have an established name. These national auto insurance companies are well versed in the needs of business and fleet insurance.

I recommend: State Farm carries business auto insurance for business vehicles such as company cars, delivery vans and trucks. Nationwide is another long-time national car insurance company. They allow you to choose the coverage you want for your business including standard coverage, non-owned auto, hired auto and loading/unloading.

Seek out lesser-known national auto insurance companies for deals and discounts

National auto insurance companies are very competitive. Smaller, lesser known companies must go that extra mile in order to get your business. Many times these companies offer lower rates or discounts in order to earn your business.

I recommend: Mercury Insurance has been around since the 60's but has grown in reputation in more recent years. They offer both commercial auto coverage and mechanical breakdown service. AIG Insurance provides commercial vehicle insurance to cover any size fleet you may have. They tailor make the policy to your specific needs with affordable rates and payment options.

Utilize time savers in online nationwide car insurance

Online access can be used to manage your national automotive insurance company policy. This can give you the benefit of doing business within your time frame without long phone calls or trips to an insurance office.

I recommend: Geico is the leader in online nationwide car insurance. They will insure your commercial vehicles from automobiles, trucks, vans and tractor-trailers. They provide instant access to policy information and quick response customer service to save your company down time. Progressive Insurance assists small business with recommendations for coverage to protect you and your business. They provide coverage to contractors, couriers, restaurant and food service, religious and nonprofit organizations, farming and livestock as well as seasonal businesses.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Always keep in mind that even though a higher deductible can save you on monthly premiums with national car insurance companies, it can end up costing you more in the long run.