Commercial Auto Insurance in Austin, TX
If your company owns, leases or operates vehicles in Texas, you may need coverage for both your drivers and your business. Contractors Insurance Services helps you secure commercial auto insurance that aligns with your budget and goals. 
Understanding Commercial Auto Insurance
Commercial auto insurance provides coverage for vehicles used in business activities, such as work trucks and service vans. It may address risks that personal auto policies often exclude, including transporting equipment, completing deliveries and carrying employees and clients. Texas law requires companies that utilize automobiles to carry commercial auto insurance.
Key Coverage Options
Standard commercial auto insurance policies often include the following:
- Liability coverage may help pay for third-party bodily injury or property damage if your business vehicle is involved in an accident.
- Physical damage coverage may compensate for repairs or replacement if your vehicle is damaged by a collision, theft, vandalism or weather events.
- Uninsured/underinsured motorist coverage may cover your business if another driver causes an accident and lacks sufficient insurance.
- Hired and non-owned auto coverage may extend support to vehicles your business rents or employees’ personal vehicles used for work.
How Much Does It Cost?
Your premium can vary based on:
- The coverage options and deductible you select
- The driving records and levels of experience of you and your employees
- Your primary garaging location and driving territory
- The age, type and condition of your business vehicles
- Your business’s claims history
Can I Lower My Premium?
You may be able to lower your insurance costs by:
- Combining several policies with one insurance company
- Keeping a clean, accident-free driving record
- Maintaining a good business credit score
- Comparing estimates from multiple insurance carriers
- Having employees complete safety and defensive driving courses
- Using telematics devices that may track vehicle use and driving habits
State rules and policy terms may also affect your final rate.
Get Started Today
Contact Contractors Insurance Services to learn more and get a free custom quote.