Commercial Auto

Discussion in 'Florida Lawn Care Forum' started by Eric E, Jan 18, 2012.

  1. unkownfl

    unkownfl LawnSite Gold Member
    Posts: 3,838

    If your credit is ok and don't have any suspensions or tickets try State Farm. If you can get mutual rated your insurance should be really cheap.
     
  2. Landscape Poet

    Landscape Poet LawnSite Gold Member
    Posts: 3,638

    This is correct.
    My wife has worked in insurance going close to 16 years now. If you have your truck listed as business use you are covered. Insurance is a funny thing you really need to check it every couple of years in my opinion for the simple reason that cost can change dramatically between companies. The other thing to consider is this....if you have full coverage.....essentially the company is saying for full coverage they will give you replacement cost of your vehicle at best in most cases....so if you why would it make sense to be paying what you were 4 years ago as obviously the replacement cost has went down significantly each year since you have used it and natural depreciation? Why would you pay them the same to cover less risk???

    I personally have Geico right now - why - they have the best possible rating and saved me hundreds a little over a year ago when we compared rates on our existing vehicles. This is the most important aspect IMHO of how to shop for insurance other than your coverage....you need to know the companies ratings.... because all that coverage does not mean anything if they have a history of fighting claims or are not able to afford to pay claims during periods of large activity.
     
  3. jvanvliet

    jvanvliet LawnSite Gold Member
    Posts: 3,939

    For anyone that reads this, most national insurance companies are consistently higher cost than other AAA insurance carriers, they have a national presence and so we tend to gravitate towards them ; add to this voracious commission driven agents & we wind up getting taken advantage of.

    There's a number of ways to reduce our insurance costs. In this industry, liability is important. That doesn't mean all of us need $1 million + coverage, but we should have some, add to this commercial automotive insurance as well as coverage riders on our trailers and equipment. This is where a good INDEPENDENT insurance agent is essential. They can compare coverage and cost across a broad spectrum of carriers and not feel compelled to pack the pony on "in-house" products to run up the commission. They can make recommendations as to whether or not it makes sense to "pool" all our insurance, home owners, personal automotive, etc with one carrier or obtain separate policies.

    Going to Geico, for example, gets you whatever Geico has on the shelf and may not be cost competitive or adequately meet our needs.

    I would suggest contacting an independent agent and review your insurance. If you don't know who to contact, my wife is a salaried insurance agent working for an independent. She is not commission drive and will gladly review any ones coverage and be completely honest.

    Feel free to PM me and we'll see how you can $ave money and get the coverage that you need.
     
  4. Landscape Poet

    Landscape Poet LawnSite Gold Member
    Posts: 3,638

    Ha, what is with insurance ladies being attracted to lawn turds? What does your old lady do Jvan? Auto, Home, health? Mixture of all the above? Mine is currently doing high value homes underwriting for a company that only handles high value homes, but she has experience in commercial and auto from over the years.
     
  5. jvanvliet

    jvanvliet LawnSite Gold Member
    Posts: 3,939

    It's our good looks, brawny bods and outsanding personalities.

    She's an automotive specialist, but will do home & commercial liability also.
     
  6. unkownfl

    unkownfl LawnSite Gold Member
    Posts: 3,838

    Another wife here State Farm
     
  7. Keith

    Keith LawnSite Gold Member
    Posts: 3,977

    One of the agents at my Snake Farm is also married to a lawn guy.
     
  8. jvanvliet

    jvanvliet LawnSite Gold Member
    Posts: 3,939

    :laugh: ROLFMAO

    It's good to use an independant agent.
     
  9. Landscape Poet

    Landscape Poet LawnSite Gold Member
    Posts: 3,638

    Real Wives of Lawn Turds and their insurance jobs....next following pawn stars.
     
  10. Landscape Poet

    Landscape Poet LawnSite Gold Member
    Posts: 3,638

    Maybe Unknowns wife is the agents wife at your snake farm?
     

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