If you have a vehicle that you use for business purposes, you understand that you're going to need commercial insurance to cover it.  Although you might be familiar with the process of getting car insurance for your personal vehicle, you may not be as accustomed to dealing with the particulars of commercial coverage.  There's a lot riding on your policy and you want it to be as comprehensive as possible.  However, you also want to get a price that you can afford.  Use this information to learn more about what you can do to get a great rate on your next commercial car insurance policy.

Carefully Screen Anyone Who Will Drive the Car

The first thing you should do when you're looking to get an affordable premium for your commercial car is take the time to carefully screen the individuals who will be driving the car.  You wouldn't want to go through the hiring process and bring someone on your team, only to find that adding them to the insurance policy causes it to go through the roof.

Understand that the commercial insurance is going to follow the driver, not necessarily yourself.  What this means is that anyone who is going to be driving the car must be added to the policy.  Someone who has been in multiple accidents, or who has been issued a number of moving citations is a bigger risk.  Insurance companies take this into account when calculating what your premium is going to be.

The best thing to do is be extremely thorough when conducting the background check.  Take the time to pore over their driving record to make sure that they don't have things listed there which could be detrimental to you once they're on the commercial car insurance policy.

Opt for a Higher Deductible

The next thing you should do when you're looking to get affordable commercial car coverage is opt for a higher deductible.  Although you may have heard that you should get the lowest deductible possible, this doesn't always apply when it comes to commercial cars.

If your business is doing well, it means that you likely won't have to struggle to come up with a more expensive deductible if an accident occurs.  Because of this, there's no reason to spend a great deal of money each month trying to have a super low deductible.

Getting affordable commercial car coverage doesn't have to be out of reach.  When you're ready to insure your commercial car, keep these tips in mind so you can get it done without breaking the bank.