Sometimes it’s not easy shopping for Central Oregon Car Insurance if you’re self-employed because life can get a little more complicated when it comes to shopping for car insurance if you’re running your own business.
In today’s post were going to cover the top tips that you need to follow when shopping for Central Oregon Car Insurance if you are self-employed.
Don’t Tell Any “White Lies” To Your Car Insurance Company
If you use your vehicle during the course of your normal business day one thing you should not do is lie to your insurance company and tell them that you’re not using your vehicle for business use when you really are.
If you get into a car accident and its later revealed that you were driving your vehicle for business use you could risk having to pay your entire deductible yourself as well as any other additional costs that are the result of your accident.
Business Endorsement or Not?
Before getting behind the wheel you should determine if you need a business use endorsement or choose a personal car insurance policy with a business use endorsement because, it’s important to make sure that you take the steps necessary to protect yourself legally and financially if you drive your vehicle frequently for business use.
Time for a Business Policy?
As your business grows it may be time for you to invest in a business car insurance policy, especially if the vehicle that you use for business has your business name on it and it’s very obvious that you’re primarily using that vehicle to go to and from job sites, visiting customers and or conducting business on a daily basis.
Get Plenty of Liability Coverage
Last of all, but most important, another important thing to consider when buying Central Oregon Car Insurance for your business is increasing the amount of liability coverage because, one car accident can literally wipe out your business.
You should consider having at least $500,000 in liability coverage for your business and depending on the nature of your business you should consider purchasing an additional commercial vehicle insurance policy as well just to make sure that you have plenty of insurance protection.
For more tips on how to choose car insurance for your business or to get an affordable car insurance quote contact the Farnsworth Agency today by calling us at (541) 318-8835 or click here to start your insurance quote online.