Commercial Vehicle Insurance

State Farm® business auto insurance provides comprehensive coverage against damage or liability claims involving a business vehicle. Whether you have a small operations or a fleet, if your business depends on vehicles, State Farm business auto insurance can meet your needs.

Who and what we can cover

State Farm business auto insurance can provide coverage for a wide variety of vehicles such as delivery vans, refrigerated vehicles, tractor-trailers, utility trucks and private passenger vehicles used in many types of businesses, including florists, contractors, real estate, retail, wholesale, farming and more.

Coverage* options

• Liability
• Medical Payments Coverage
• Personal Injury Protection
• Comprehensive
• Collision
• Emergency Road Service
• Car Rental and Travel Expenses
• Uninsured Motor Vehicle
• Underinsured Motor Vehicle
• Death, Dismemberment & Loss of Sight
• Loss of Earnings

*Coverage availability may vary by location, vehicle type, and business use.

Value you want, personal service you deserve
State Farm business auto insurance offers you comprehensive coverage at a competitive rate. It also offers you our unbeatable Good Neighbor service. Twenty-four hours a day, wherever you go, count on prompt and fair claim service from your agent or any of the thousands of State Farm agents or claim representatives across the U.S.

Do Car Insurance Quotes Cover All Clauses?

Car Insurance quotes are available with every car insurance company. The easiest and fastest way to get car insurance quotes is to download them from the internet. They are generally free and give comparative costs, which are enlightening. It is advisable to check these car insurance quotes with your trusted local car insurance agent, who can guide you through the ensuing dangers and pitfalls, in your search for the right insurance policy.

When you decide on the type of vehicle, you wish to purchase, get several car insurance quotes online, free. Downloads should take no more than a few seconds. Use caution when choosing the right car insurance quotes from the several available online. Hone in on one or two trusted and reputed companies offering car insurance quotes and make a decision.

Most insurance companies do not cover all aspects of the dangers involved during a collision or fatal accident. The driver of the other car may have damaged your car badly. How much of the damages are covered by your insurance policy? Who pays for these damages and medical bills? Hence, it is important to understand car insurance quotes, as well as to read between the lines. Most insurance companies do not specify in their car insurance quotes, the discounts offered to different individuals. For instance, the occupation of a person, his level of education and impeccable driving records, could win him a better rate than what is laid out in the car insurance quotes. The car insurance quotes cannot cover all aspects understandably. It is therefore recommended that the licensed agents in your area explain to you at length, the pros and cons listed in the car insurance quotes before you actually buy an insurance product.

There are different car insurance quotes that offer discounts for those taking multiple insurance policies and discounts for driver or vehicle related issues. Sit with your local dealer and find out how this can work for you. Look at the car insurance quotes together and ask him to explain the different clauses. What are the obvious consequences of taking only a third party or liability damage? Is it necessary to get full coverage? A knowledgeable agent, who can guide you through the many terms and coverage options, can answer these questions listed in the car insurance quotes.

Look for the small print when examining the car insurance quotes. Ensure that you are not paying an unnecessary high premium for a car that is already 8 to 10 years old. Sometimes you end up paying more should there be a collision. The car insurance quotes offer discounts to drivers who have an untarnished credit history. Check for credit points in the car insurance quotes. In addition, if you decide to go green and buy a hybrid electric vehicle, you could score some brownie points. Check if the car insurance quotes cover these and more. Use the smart option of choosing from the many car insurance quotes.

Comparing Auto Insurance Quotes

Comparing auto insurance quotes is very important for getting the best deal out there. It can also be confusing because the numbers can vary so widely between competing auto insurance providers, and even depending on when you are looking for car insurance.

To give you an idea of the volatility of auto insurance, just look at the average yearly rate for a car insurance quote for the one-year period of February 2008 to February 2009:

February 2008 -- $1828.00
March 2008 -- $1838.00
April 2008 -- $1871.00
May 2008 -- $1896.00
June 2008 -- $1913.00
July 2008 -- $1951.00
August 2008 -- $1944.00
September 2008 -- $1952.00
October 2008 -- $1982.00
November 2008 -- $1968.00
December 2008 -- $1905.00
January 2009 -- $1908.00
February 2009 -- $1888.00

Just taking that one variable into consideration for auto insurance costs gives you an idea of how much your car insurance quote can vary.

Break the average yearly auto insurance rate quote differences down to only January 2009 compared to February 2009 and you will find different states vary even more:

• Iowa went up 6.2%
• Wyoming went up 5.4%
• Utah went up 4.1%
• South Carolina went up 3.9%
• Virginia went up 3.6%
• Vermont went down 11.8%
• District of Colombia went down 8.6%
• Nebraska went down 7.0%
• Pennsylvania went down 4.7 %
• South Dakota went down 4.4%

So taking these two variables – the month you receive an auto insurance quote and the state for the insured car -- into account you can see great differences in automobile insurance quotes. When you start to consider the many other variables that will affect your auto insurance quote such as lifestyle changes, your credit history and your driving record, it's easy to see why taking the time to compare auto insurance quotes before making your car insurance purchase is very important.

When you are comparing auto insurance quotes take the time to look at options beyond the lowest price. Some of these options include better customer support, discounts for coverage that you are looking for or maybe even something as simple as feeling more comfortable with one car insurance provider over another.

Saving money is important to everyone and auto insurance is a place where you find significant savings by taking your time, checking into your options and comparing auto insurance quotes from a number of car insurance providers before making a purchase decision.