When you drive a transportation vehicle like a taxi or a limousine, you want to know that your insurance company is the best (and most cost efficient) you can find.
It is always a good idea to look around for a better deal on your transportation vehicle insurance when you see prices go up. But what do you look for in a great transportation insurance company?
Read on to learn five essential things to look for when searching for a company that fits your transportation insurance needs.
1. Geographical Coverage of the Transportation Insurance Company
One important thing to keep in mind for insurance is that most companies cover specific regions.
You need to pick a company that offers insurance in your area. A great insurance price for another region will do you no good.
2. No Claims Bonuses
When a transportation insurance company offers no claims bonuses (NCB’s) or bonus-malus program, your company can save lots of money!
A bonus-malus program offers discounts when you renew your policy if you had no claims in the previous year.
It is also important to know that your premium could also go up if you have had claims in the previous year. So make sure you are safe while on the road.
3. Easy Quote Process
A sign of a great transportation insurance company is how easy they make their quote process.
Many times, you will be able to get a quote for a great price, but the details are intentionally vague, so you do not know that the insurance policy they are quoting you is subpar.
Look for a company that not only makes it quick and easy to get a quote but also makes it easy to understand what insurance coverages that quote offers.
Some companies offer to go over a quote with you to make sure you are completely satisfied with what they quoted. If not, they will adjust the quote to find the policy that better matches your company’s needs.
4. Great Customer Service
Another thing to look for is the quality of customer service the insurance company has.
A great insurance company will have multiple options for reaching out to a customer service representative.
They should also have a quick turnaround time for issues, so you aren’t waiting forever to hear back from them.
5. Easy Claim Submission
No one wants to get into an accident, but when you do, you want to know that your insurance company has a convenient way to file your claim and fast processing time.
A good thing to look for is a company with claim filing options by phone as well as online. A bonus is when the web portal has mobile compatibility so you can file the claim from your cell phone while at the scene of the accident.
If you need more help looking for a transportation insurance company or if you have questions about what to look for in a policy, contact us today!