Month: January 2009

What Is Commercial Auto Insurance?

In order to operate a motor vehicle, many local governments require that the licensed driver or the owner of the vehicle have insurance protection. Some of those types of auto insurance protection can be purchased by individuals.


Generally, the basic insurance required includes liability insurance. Liability insurance is minimum insurance that protects others from any damage that may be inflicted on others or their property by a vehicle owner. In addition, other types of coverage that may be packaged into the individual s insurance policy could include collision insurance, comprehensive insurance, towing package, etc.

Additionally, if a company owns a vehicle or a fleet of vehicles they will want to look into commercial auto insurance. Therefore, it is important to know what commercial auto insurance is and how to best shop for the best commercial auto insurance quote.

What Is Commercial Auto Insurance?

Commercial auto insurance is basically the same as private or individualized auto insurance. This simply means that commercial auto insurance consists of insurance that provides comprehensive coverage, covers against collision, provides medical payments and coverage for the vehicle if the accident involves an uninsured motorist.

The major difference between the two is the policy holder. Simply, the policy holder for a non-commercial auto insurance policy is generally an individual. Whereas, the policy holder for a commercial auto insurance policy holder is a business.

Additionally, depending on the policy, it is important to fully understand the policy that maybe in place or the policy that a business is looking to purchase. Specifically, the company or single proprietorship should discuss with the insurance agent what will be covered and what will not be covered.

In addition, it is important to note that an effective insurance agent will ask the prospective customer a number of questions. Those questions could include how the vehicle will be used, who the drivers will be, safety measures in place, any training for the drivers required, etc. All of these and other questions are designed to fit the customer with an appropriate policy and at the right cost.

Obtaining The Best Commercial Auto Insurance Quote

Also, it is important to pay for a quality insurance policy, but one does not want to pay any more than is absolutely necessary. Therefore, it is import to obtain a number of commercial auto insurance quotes.


These commercial auto insurance quotes can be obtained in a number of ways. Some of those ways include simply talking to an insurance agent whose company provides commercial auto insurance policies. Another way is to search the internet utilizing a search engine and searching on words such as commercial auto insurance or business vehicle insurance.

One other way of obtaining commercial auto insurance is by letting someone else do all the work on your behalf. This type of service utilizes a broker who will basically do all the searching for the appropriate company that meets the insurance needs of the business.

Broadband ISP Provider: Making a Choice

Options today for internet service providers (ISP) are much greater than they were ten years ago. At that time, the only choice was dial up internet service, which tied up the phone line, lost connection with incoming phone calls, and was torturously slow when trying to download or upload any type of information.

Today, there are several options for broadband ISP providers on the market. Not only are there numerous companies out there that provide the service, but there are several types of service to choose from depending on individual needs and the area in which the customer lives.

Three Choices

There are three basic choices in a broadband ISP provider, each of which has its own strengths and weaknesses: cable, DSL and satellite broadband providers.

Cable internet has been around the longest of the three and is probably still the most popular. Cable internet works by running the signals through the same fibers that the cable TV signals run through so that there can be concurrent service without interrupting either. It also serves to open up the phone lines again, whether through the traditional phone service, or through cable phone service. Cable broadband ISP providers also bundle their services so that cable TV and phone can be included with the internet, providing a discount from buying each service separately.

The main downfall of cable broadband ISP providers is bandwidth, since at high usage times of day, such at evenings; the speed of the service is reduced. Some companies have tried to offset this problem by giving customers a limit of downloads, but that has cause more complaints from the customers than the slower speeds caused, so most have been done away with or gone to a pay by GB plan.

DSL providers are very similar to cable providers in the speed of service and the bundling of services, which makes their pricing comparable. Both of these providers are viable options as business broadband providers, since they each have strong networking capacities. The main downfall of DSL broadband ISP providers is the slowing of service the further the customer is from the source, normally the main phone company.

Satellite broadband ISP providers are usually the last choice due to the price as well as a service that is not as fast as cable or DSL. Satellite providers require the buying of the equipment, which can be very expensive, close to five hundred dollars at the top end plus installation.