Commercial Auto Insurance in Dallas, TX
When looking for commercial auto insurance, it’s important to understand the various types of coverage available. Selecting the appropriate options can provide peace of mind and protect your assets. 
Your agent may recommend the following:
- Liability coverage—This is the most basic type of commercial auto insurance. It can protect your business if one of your vehicles causes damage to another person or their property. Liability coverage typically includes third-party bodily injury and property damage.
- Collision insurance—This may help cover damage to your business vehicle if you’re involved in an accident, regardless of fault. It typically applies when your vehicle crashes into another vehicle or stationary object.
- Comprehensive coverage—This type of insurance can cover noncollision-related incidents, such as theft, vandalism or damage from natural disasters like hail or flooding. It’s vital in areas with severe weather or high crime rates.
- Uninsured/underinsured motorist coverage—If your vehicle is in an accident with an at-fault driver who doesn’t have enough insurance or is uninsured, this coverage can help cover the damage.
How Insurance Premiums Are Determined
Several factors influence the cost of your commercial auto insurance premiums in Dallas, including the following:
- Type and age of vehicles—The make, model and age of your vehicles impacts your premiums. Newer, higher-value vehicles are generally more expensive to insure, while older vehicles may come with lower premiums but often require more frequent maintenance.
- Vehicle usage—How often and for what purpose your vehicles are used will also affect your rates. Delivery vehicles on the road frequently are likely to have higher premiums due to increased risk, whereas vehicles used less often may cost less to insure.
- Driving records—The driving histories of your employees play a significant role in determining your rates. A clean driving record with no accidents or violations typically results in lower premiums, while a history of traffic tickets or accidents increases costs.
- Local risk factors—Dallas’s weather patterns, traffic congestion and crime rates can influence insurance premiums. Areas with frequent traffic accidents or high theft rates may have higher insurance costs. Similarly, the risk of weather-related incidents like hailstorms can also increase commercial auto insurance premiums for Dallas businesses.
Contact Us
Contact Sanchez Insurance & More Services LLC, in Dallas, Texas, for a commercial auto insurance quote.