There are a few things that commercial van insurance companies are going to look at when they consider the rates your business will have to pay for insuring your vehicles. The biggest considerations are how often and how many miles are being put on the vehicles, who is driving, and what is the purpose of the driving for your business.

These few things seem rather simple but they can impact your rates significantly for your business.

Commercial van insurance companies want to know how often the vehicles are being used at the company. They want to know the average miles that are being driven each day they are used. The more often the vehicle is being used and the more miles being put on the vehicle the higher the rates of the insurance will be.

There is a difference though. Commercial van insurance companies will offer a lower rate if the miles on the vehicle are on the highway and not in the city driving. This can make a difference with the insurance rate for some companies.

If you have a personal car that you drive at work and you find yourself using it for work then you might consider getting a business policy on it or putting it on your business policy. In most cases, a personal policy will not be adequate if something happens.

If your personal vehicle is on the business policy and you are in the scope of employment and something happens while you are driving, the business policy will take care of everything. You are in better hands with a business policy then you are with a personal one.

Commercial van insurance companies also want to know who is driving your vehicles. If your employees are driving the vehicles then they will need the driver's licenses of each of the employees and their driving records. You might want to consider looking at their records before you hire them because your rates could skyrocket depending on their records.

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