As insurance professionals, staff here at Capital Gate Insurance write and service policies for a wide array of commercial vehicles. As a small business, we are familiar with both sides of the commercial auto policy: we are both insureds and insurers. You may have seen our Ford Fusion Titanium, adorned with the Capital Gate logo, zooming (at legal speeds!) around Albany, Schenectady, Troy and beyond. Our licensed staff can often be found behind the wheel of a commercially insured vehicle, visiting our loyal customers, performing photo inspections, and meeting with our many insurance carriers to ensure we are providing our customers with the best coverage at the best rates. We know the importance of finding the best insurance car or trucks for business use.

Safety first!

Is my commercial car or truck a safe vehicle? It should come as no surprise that, for us being insurance professionals, safety is our number one priority. Most insurance carriers offer discounts for safety features that reduce the risk of accidents. When shopping for safe cars for business use, be sure to look for the following safety features, some of which may come standard on many commercial vehicles; does my vehicle include safety features that qualify for a discount on my insurance?

  • Daytime Running Lights
  • Anti-Lock Brakes
  • Automatic seat belts
  • Backup Cameras
  • Active Head Restraints
  • Blind Spot Warning Systems
  • Active Cruise Control
  • Automatic Emergency Brakes

The Safest Vehicles for 2018

Each year, the Insurance Institute for Highway Safety selects their top safety picks according to a stringent set of guidelines. Selecting one of these will ensure that you and your employees are as safe as possible on the road. According to their study some of the safest cars for your business include:

  • 2018 Toyota Camry
  • 2018 Subaru Outback, Legacy, Impreza and WRX
  • 2018 Kia Forte and Soul
  • 2018 Hyundai Santa Fe and Santa Fe Sport

Depending on the nature of your business, you may require coverage for a specialty vehicle. Contact our agency at (518) 389-2610 to discuss coverage for flatbed trucks, cargo vans, delivery trucks, and more!


Coverage and Discounts for Commercial Auto Policies

When you’re on the go; in the course of normal business operations, breaking down is just not an option. Towing and roadside assistance coverage is an optional endorsement on most insurance policies. These relatively cheap coverages ensure that when your business vehicle needs repair and maintenance service due to a breakdown, it won’t be down for long.

Choosing the best car for your business comes with perks. Many insurance carriers offer discounts for eco-friendly vehicles, including hybrids, electric vehicles, and vehicles with a high mile-per-gallon ratio, so you not only save the environment, but your save cash as well!

Am I properly covered for my commercial vehicle insurance coverage? Is my insurance giving me all the discounts that I qualify for?

Every business is different, and your insurance policy should be tailored to your unique business needs. Contact a licensed agent at (518) 389-2610 to review policy or to simply begin your new commercial auto coverage today!