Car Insurance Tips for Delivery Drivers

Drivers operating a vehicle owned by a company need to have a special type of insurance coverage to ensure they are protected in the event of an accident. Since delivery drivers need to use a company vehicle to perform basic job duties, it is the company’s responsibility to make sure the driver and all vehicles are covered under the right commercial car insurance policy. If the delivery driver is using his or her own car to perform their job duties, state laws require the driver to carry a certain amount of car insurance beyond regular insurance.

Here are some important car insurance tips for delivery drivers:

Contact Your Current Insurance Company Immediately
Make sure your current auto insurance provider is aware that you will be using your vehicle to deliver pizza, goods or people for a fee. Most insurance companies will not provide coverage for your vehicle when you are using the vehicle for business purposes – even if you already carry state minimum requirements for insurance on the vehicle. Your insurance company will recommend a commercial or business insurance package that will provide adequate coverage when you are out on delivery.

Be Specific About How Often You Will Drive Your Vehicle
Your insurance company can only provide you with the most affordable package when you are honest about how much you will be driving the car, and how often. The insurance provider will need an estimated number of miles, the times of day you will be driving, and what type of territory you will be covering.

Consider Investing in a Security or Anti-Theft System
You may be able to lower the cost of insurance – even when you’re using your vehicle for business purposes – by installing an anti-theft system and other security products on your car or truck. If you do install anti-theft devices in your vehicle, make sure your insurance company knows about it.

Shop Around for the Best Rates
You can always shop around for the best quote on commercial or driver’s insurance. Shopping around may help you find the lowest possible rate and give you a chance to compare benefits of different policies. Don’t be afraid to ask for a quote and inform the auto insurance provider that you are shopping around for the best deal. Some companies may be able to extend a special offer or grant you a discount just to earn your business.

Sources:
Insure4USA.com: Commercial Car Insurance for Couriers and Delivery Drivers
DriversInsuranceQuotes.org: Delivery Driver Insurance ‘” How to Pick the Right Kind
Car Insurance Quote: Commercial Car Insurance for Delivery Drivers