cheap van insurance
When you shop for van insurance, you will find that more than your personal driving history matters. The make and model of your vehicle plays a large role in the cost of coverage. Cheap van insurance is a small but critical step to managing these distribution costs
Types of Commercial Vans We Cover
Cargo vans are typically all white, windowless, with two front seats and a large empty cargo area in the back
Passenger vans usually seat 12-15 people and are commonly used by organizations to transport members to different outings
Most people associate minivans with family, but many businesses are also transforming them into commercial vehicles.
Heavy-duty box-shaped vans that carry heavy items such as loaded pallets and beverage crates.
Designed to transport perishables and come in a wide range of sizes/weights.
Smaller in size and are used to deliver a small parcel
Who needs commercial van insurance?
Whether you own your own business van (or vehicle) make deliveries, or operate a company van,
• Caterers that make deliveries.
• Electricians, plumbers, or tradesmen making service calls.
If you own a company or if you or your employees will be driving your cargo vans or other business vans, you’ll want to make sure you have liability insurance. Liability pays for injuries or damage to other people or property if you’re at fault for an accident.
There are some providers capable of covering the widest range of businesses possible. Debris removal might be one such use for the van a provider won’t insure for the obvious reasons.
Minimum insurance requirements for commercial policies are likely to be higher than the case with non-commercial policies.
Arizona state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $15,000 for property damage (i.e. 25/50/15). Some policies are required to carry higher limits based on the types of vehicles they insure
Here are some of the companies to consider for Van Insurance Auto-Owners Badger Mutual GAINSCO Hallmark Hartford Kemper|Infinity Mercury Bristol West Encompass MetLife Mutual of Enumclaw Nationwide Progressive Safeco Safeway State Auto Travelers.
One great way to reduce costs is to bundle that insurance if you have more than one vehicle.
Non-Commercial Van Insurance.
The most common vans used for non-commercial purposes are standard minivans.
Minivans are usually inexpensive to insure due to the reason behind purchasing one in the first place. These vehicles are dubbed “family vehicles” for a reason.
People with large families might find a smaller or even mid-sized car to be inadequate for driving the family around town. A minivan would be a much better choice.
Adults driving children around town are not prone to speeding or otherwise driving recklessly. Hence, insurance rates end up being a bit less costly.
One bit of clarification needs to be mentioned here.
Although minivan insurance may be less costly on average than car or SUV insurance, the prices are going to vary from policy to policy.