HANDYMAN 
Handyman Insurance, Finding Good Business Auto Insurance Policies
Determining if you need commercial auto insurance can be confusing as the decision-making process contains a large amount of variables. These are questions you will come across when searching for a company to purchase your commercial auto insurance.
Most personal auto policies exclude from coverage the use of a vehicle for commercial purposes. The last thing you will want to do is argue with your insurer over whether your automobile was used more for personal use or business use. In my opinion, the risk of a serious auto accident wiping out a small business far exceeds the premiums paid for the coverage and this is not the place to save premiums. Purchasing business auto insurance is usually the safe route to follow.
A commercial auto policy does the same thing as your personal auto policy.  While the types of coverage provided by personal and commercial auto insurance policies are essentially the same, there are important distinctions. Typically, commercial auto insurance policies have higher liability limits, for example $1 million. If you are relying on either a personal auto insurance or personal umbrella liability policy to provide you with protection for your company’s use of vehicles, look closely at the provisions, as business-related liability may be excluded.
Commercial vehicle insurance policies offers much more coverage options much more relevant towards the needs of a business. Your personal auto policy will exclude coverage for commercial uses of your vehicle.  Many small-business owners believe that if their car is in their personal name then commercial coverage is not necessary and their personal auto policy will cover the auto.
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Friday, Jun. 4th 2010 5:57 PM at 5:57 pm
Once the necessary coverage has been determined by the driver it is absolutely necessary that they comparison shop in order to find the best rate for the policy needed; this is because the difference in quotes can be substantially different from one company to the next even if comparing the same amount of coverage. When shopping for policies there are many ways that a consumer can find savings.
The North Carolina Consumer’s Guide to Automobile Insurance suggests checking to see if you are eligible for any types of discounts. Some of the more common discounts offered by insurers are given for vehicles equipped with anti-lock brakes, anti-theft devices, daytime running lights, safety equipment such as airbags and automatic seat belts and a discount may be applied for having more than one automobile on a policy.
In addition, you may also be able to lower premiums by increasing deductibles if purchasing comprehensive and collision, but you should make sure that you can pay the amount chosen in the event of a loss. Therefore, the best way to get properly insured in NC is to understand the coverage needed and shop around to locate the company who can offer the desired protection at the most affordable price.