Get The Right Insurance For Your Trucks—And Save Money, Too

 

Five things you should consider before your next renewal

 

 

Your vehicle insurance could be as much as 40 percent of your total operating budget. A Regular policy review is essential in making sure you have the right insurance for your truck—and your business. Plus, you could save big buck if you qualify for additional discounts.

 

To get started, ask yourself these five questions—then give your local agent a call.

 

  • Are all of my employees covered when they drive my trucks, even if they’re not listed on my policy?

 

You should always list employees who regularly drive your vehicles. Ask your insurance company if it covers temporary drivers as long as they have your permission to operate the vehicle.

 

Some insurance companies will only cover drivers who are named on the policy. So, if you regularly employ temporary workers, you need to call your insurer and add them to the policy every time they drive to ensure they’ll be covered in an accident.

 

Permissive use policies don’t require you to add temporary workers.

 

  • Will my policy pay to repair my employees’ personal vehicles if they get into an accident while running a business errand?

 

If you often send employees on business errands in their personal cars or trucks, or, if you use rental vehicles, consider adding optional coverages to your policy to protect those vehicles. In many cases, a standard commercial auto insurance policy won’t cover damages in case of an accident. Your agent or insurance company can walk you through all of your options.

 

  • Should I maintain my policy during the off-season if I’m not using my truck?

 

When the season’s over, consider switching to Comprehensive-only coverage instead of canceling your policy altogether. This coverage protects your vehicles against incidents like vandalism or hail that can happen when they’re sitting for long periods during the off-season.

 

If you do decide to cancel your Liability insurance, check with the Department of Motor Vehicles first. There may be some additional steps you need to take to comply with the insurance laws in your state.

 

  • How quickly does my insurance company resolve claims?

 

Find out how long, on average, it takes your insurer to resolve claims. The faster they take care of your claim, the faster you can get back to work.

 

Also, ask if your insurance will cover a rental vehicle or provide downtime payments.

That way, if your truck’s out of commission, your business will stay profitable.

 

  • What can I do to control my insurance expenses?

 

Discounts can make a big difference, especially with commercial insurance. Other ways that you can save include increasing your deductibles and paying your premium in full.

Hours:

Monday: 9am - 5pm

Tuesday: 9am - 5pm

Wednesday: 9am - 5pm

Thursday: 9am - 5pm

Friday: 9am - 5pm

Saturday: 9am - 5pm

Sunday: Closed      

 

Axiom Insurance

388 Dickinson St

Springfield, MA 01108

Tel: (413) 788-0800

Fax: (413) 788-9053

 

RMV Services:

- New Plates

- Transfer Plates

- New Titles / Registration

- Registration Renewal 

 

Welcome to Axiom Insurance Agency of Springfield Massachusetts.  We pride ourselves on offering the best Insurance Products and the most competitive prices in the Commonwealth of Massachusetts.

 

We also do RMV TRANSACTIONS - new plates, new registrations, transfers, renewals, etc!!!   We do these services Monday through SATURDAY! No more taking time from work to go to the registry!

We offer both Personal Insurance Products (Auto Insurance and Home Insurance) as well as Business Insurance (Liability, Workers Comp., Property, Inland Marine, Commercial Auto).

We can find a product or price for everyone.  We can even replace cancelled Auto Insurance.  We are open on Saturday if you are local to Springfield MA to replace your insurance.

 

With all the companies we represent for there are many discounts available to reduce your price.

 

Always call us if you have questions with your Auto or Homeowners bill.  They can be complicated and the timing of when the payments are applied to your bill can make things look confusing.

 

Always make sure to review your paperwork to ensure it is up to date.  We can help get your registration renewed and save you the headache of having you Auto towed because the plates and registration have expired.

We speak Spanish too.

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