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Commercial Auto Insurance in Texas
Commercial Auto Insurance is essential for every company since it will help to protect an organization from road accident risks which range from slight ones to severe ones. In Texas, appropriate insurance guarantees that the company is prepared for all the peculiarities of the state’s climates anddense traffic.
CINCO Auto Insurance emerges as your reliable ally in the Lone Star State, where regulations and risks may differ. Our expertise and tailored solutions help you navigate the complexities of the auto insurance scene, ensuring you secure the optimal coverage to protect your business and keep operations running smoothly.
Why Do I Need Commercial Auto Insurance In Texas?
Commercial auto insurance protects you against any risks that may occur when delivering goods or when you have hired equipment.
Texas law requires insurance which saves you the agony of going against the law; you’ll be penalized.
Insurance is to protect from some costs such as; cost of repair, cost of medical expenses, and legal expenses arising from the accidents.
With auto insurance, you are secure on the road since you get a back up in the event of some occurrence.
It can be customized to meet the customer’s needs hence being flexible in its operations while giving the customer a feeling of security.
How Much Does Commercial Auto Insurance Cost In Texas?
Searching for an affordable commercial auto insurance in Texas can be a real breakthrough for your company. They range depending with the type of business you intend to undertake, the extent of usage of the car and your experience on the road. The cost is on average $1,200 to $2,500 each year. But it is really all about relationships, and finding the right fit for your business! The following are some of the things that determine the amount of insurance to be paid.
COMPARE Commercial Auto Insurance Rates Across Key Texas Cities
Business auto insurance costs vary depending on factors such as population density, traffic congestion, crime rates, and the type of business. Generally, cities like Houston, Dallas, and Austin have higher insurance rates due to increased traffic density and higher accident rates.
City Name
Average Annual Commercial Auto Insurance Rate
Houston
$1,300 - $2,600
San Antonio
$1,250 - $2,500
Dallas
$1,350 - $2,700
Austin
$1,400 - $2,800
Fort Worth
$1,300 - $2,600
El Paso
$1,200 - $2,400
Arlington
$1,350 - $2,700
Corpus Christi
$1,250 - $2,500
Plano
$1,400 - $2,800
Lubbock
$1,200 - $2,400
WHAT DISCOUNTS CAN I GET FOR Commercial Auto INSURANCE IN TEXAS?
There are various Texas business auto insurance discounts aimed at lowering the premiums needed for proper coverage of business vehicles. Some of these discounts include; seeking to cover a number of cars, use of safety gear, driver’s course, accidents free, paying upfront, experienced drivers, organization membership and low annual mileage.
DISCOUNT NAME
DESCRIPTION
Multi-Vehicle Discount
Enjoy significant savings when you insure more than one vehicle with us.
Safe Driver Discount
Rewarding responsible drivers who maintain a clean driving record.
Anti-Theft Device Discount
Protect your vehicle with anti-theft devices and earn a discount on your premium.
Defensive Driving Course Discount
Completing a defensive driving course can lead to lower insurance costs.
Business Experience Discount
Business owners can benefit from their professional experience with reduced insurance rates.
Loyalty Discount
Stay with us and enjoy special savings for your continued trust and commitment.
Paid-in-Full Discount
Pay your insurance premium in full to receive a discount on your total cost.
New Vehicle Discount
Drive a newer car and enjoy a discount on your insurance premium.
Association Membership Discount
Members of certain associations or groups can receive exclusive savings on their insurance.
Low Mileage Discount
Drive less and save more with discounts for lower annual mileage.
What Are The Minimum Commercial Auto Insurance Requirements In Texas?
When hitting the road with your business wheels in Texas, there are some rules to follow. It's like having your business backed by a sturdy insurance shield!
- $30,000 for bodily injury or death to one person in an accident.
- $60,000 for bodily injury or death to two or more persons in an accident.
- $25,000 for property damage in an accident.
These insurance requirements are designed to financially protect business owners from the potentially devastating costs of accidents, ensuring that they are covered for injuries and property damage, helping to minimize the financial impact on their business.
What Types Of Commercial Auto Can I Insure With CINCO in Texas?
Whether storing goods or equipment, commercial trailers need coverage. Our services connect you to the right insurance, protecting your trailers.
Specialized insurance is needed for businesses transporting people. Our team helps find comprehensive solutions for passenger and vehicle safety.
This is perfect for businesses needing extra cargo space. Our agency connects you with carriers to ensure your commercial vans are covered.
From light-duty pickups to heavy haulers, our agents secure comprehensive insurance for business trucks, protecting your assets.
What Coverages Can I Get For My Commercial Auto In Texas?
Liability Coverage
Protects your business from financial responsibility if you're at fault in an accident while using your vehicle for work.
Collision Coverage
This policy covers the repair costs for your commercial vehicle if it is damaged in an accident, regardless of who is at fault.
Comprehensive Coverage
This coverage protects against non-collision incidents like theft, vandalism, or natural disasters.
Uninsured/Underinsured Motorist Coverage
Steps in to cover expenses if you're involved in an accident with a driver who lacks sufficient insurance.
Medical Payments Coverage
Regardless of fault, it helps cover medical expenses for you and your passengers after an accident.
Personal Injury Protection (PIP)
This coverage offers extensive coverage for medical costs, lost wages, and more, regardless of fault.
Roadside Assistance
Provides peace of mind with services like towing, fuel delivery, and tire changes when stranded on the road.
Rental Reimbursement Coverage
This coverage covers the cost of a rental vehicle while yours is being repaired after a covered accident.
Cargo Coverage
This coverage protects the goods you're hauling in case of damage, theft, or loss during transit.
Hired Auto Coverage
This extends to vehicles you lease, borrow, or rent for commercial use, ensuring you’re protected while operating these vehicles.
Why Is CINCO The Best Choice For Commercial Auto Insurance In Texas?
Excellent Customer Service
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
Affordable Premiums
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WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
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Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
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Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
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Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
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I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
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Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
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Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
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Marcela Contreras
Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
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Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
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Mike J
Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
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Got my business insurance quick and easy and the right price. yolanda did a great job. If yall need insurance give her a call. You wont find better deal 👍👍🙏🙏
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Yolanda has been the biggest help to find me the best insurance. Excellent customer service. She really cares about her clients.
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Karina was absolutely GREAT!! GREAT!! customer services all around. Highly recommended 💯
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Crisantos Anselmo
Karina was so amazing 👏 she honestly deserves a raise!!! Made everything fast and easy! Super consistent with follow ups!!
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Dilaa Ruiz lo
Evelyn was very nice! She helped us find and get an affordable price for insurance. Recommend her if you’re looking for a fast and easy experience!
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Gran Love
The service was wonderful, Veronica explained it to me very calm and broke it down to help me understand everything. I appreciate the patience and kindness.
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Diana Ontiveros
Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
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Sandra Aguallo
Veronica was very helpful and got me the lowest price out there ! 100% recommend going to her for the lowest rates!.
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Angel ADB
I had a great experience with Oscar! He provided excellent help and service, giving me a very competitive quote on my vehicle. Highly recommend!
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Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
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Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
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