Best 5 Very Cheap Online Car Insurance Pennsylvania to Get With Full Coverage for Business Vehicles

Getting commercial auto insurance for your small business vehicles in Pennsylvania doesn't have to be complicated or expensive. With some research and rate comparison, quality insurers offer affordable liability, collision, and comprehensive coverage policies to protect your company vehicles.

Best 5 Car Insurance Companies in Pennsylvania

• State Farm: Offering competitive quotes and full coverage options, ideal for new drivers seeking affordable rates.
• GEICO: Known for cheap car insurance and easy online quotes, GEICO caters to young drivers and those wanting to manage their policies near them.
• Allstate: Provides a range of car insurance products with no deposit options, perfect for drivers looking for quality service and full coverage.
• Country Financial: Offers the best insurance rates for full coverage and online quotes, appealing to drivers who want to balance price and protection.
• Liberty Mutual: A top choice for car insurance, with options for young drivers and those seeking the best companies with comprehensive online quotes.

This comprehensive guide will review the key factors to consider when shopping for the best value and coverage for your business fleet. We'll also provide an in-depth review of the top 5 insurers known for low rates and robust protection specific to Pennsylvania small and midsized business needs.

Overview of Commercial Auto Insurance in Pennsylvania

Pennsylvania requires all motor vehicles registered to carry minimum liability coverage. For commercial auto policies that include:

• $15,000 bodily injury per person
• $30,000 bodily injury per accident
• $5,000 property damage

However, most small businesses need more than basic liability to fully protect their vehicles and drivers. Collision, comprehensive, uninsured motorist, rental reimbursement, towing, and other coverages should be considered.

The average cost for a business auto policy with full coverage in Pennsylvania is around $2,000-$3,500 per vehicle per year. However, rates can vary dramatically based on:

• Your vehicle type uses, and business type
• Your driving records and number of vehicles
• The limits and deductibles you select
• The insurer you choose

With some insurers in Pennsylvania, you can find very affordable rates under $1,500 per vehicle annually through their online quote process. Comparing customized quotes rather than just relying on statewide averages is key.

Below, we dive into all the important coverages, exclusions, discounts, and other factors that come into play when buying the right protection at the best available pricing.

Overview of Key Commercial Auto Policy Coverages

Commercial auto policies combine various standard and optional coverages to create a customized protection plan for your vehicles and drivers. Here is a quick overview of the most common coverages to understand when comparing insurer options:

• Liability Insurance?covers bodily injury and property damage that you or your employees cause to others while operating a covered business vehicle. It's required by law, but you'll want higher than minimum limits.
• Collision -?This covers damage to your vehicles from an accident with another car or object. You'll choose a deductible amount.
• Comprehensive -?This covers damage to your vehicles that's not from a collision, like fire, vandalism, weather, theft, and more. A deductible applies.
• Uninsured/Underinsured Motorist -?This covers injuries to your drivers from an at-fault driver with no or inadequate insurance. It applies within policy limits.
• Personal Injury Protection -?In PA, this no-fault coverage pays for initial medical bills for drivers/passengers injured in your vehicles up to the limits chosen.
• Rental Reimbursement -?This covers the cost of a rental car if your vehicle is inoperable due to a covered loss. You choose reimbursement limits.
• Roadside Assistance -?This add-on covers towing, tire changes, jump starts, locksmith services, and other roadside help as needed.
• Business Use -?Delivery and other business uses may need supplemental coverage beyond personal use policies.

When comparing insurer options, look closely at what limits, deductibles, and optional coverages are available. Getting the right business-specific protection is key, not just mimicking a personal auto policy.

What Factors Impact Commercial Auto Rates?

Insurance companies use complex rating factors and formulas to determine premiums based on risk. While each insurer weighs factors differently, here are some of the key considerations that can impact commercial auto policy pricing:

• Vehicle Use -?Local delivery, service contractors, transportation companies, and other high-mileage uses pay more than light business errands.
• Vehicle Types -?Big rigs, box trucks, and other large vehicles cost more to insure than passenger cars and light pickups.
• Number of Vehicles -?Insurers give discounts for insuring multiple vehicles on one policy.
• Driver Safety Records -?Multiple accidents, violations, or poor driving histories increase rates.
• Coverage Limits and Deductibles -?Higher liability limits and lower deductibles mean higher premiums.
• Industry and Business Type -?High-risk industries like construction pay more than professional services.
• Geographic Location -?Urban areas typically have higher premiums than rural zones.
• Claims History -?Frequent past claims will drive up renewal premiums.
• Years in Business -?New businesses often pay 10-15% more than long-established ones.

The best way to find the most affordable rates is to get customized quotes from multiple top insurers based on your exact vehicles, drivers, and coverage needs. Minor details can lead to major premium differences.

Expert Tips for Finding Very Cheap Rates

Here are some pro tips from commercial insurance agents on how small businesses can maximize savings when shopping for policies:

• Compare Quotes from at Least 5 Insurers -?Rates can vary dramatically between companies. The only way to find the best deal is to compare multiple quotes.
• Consider Higher Deductibles -?Raising deductibles by just $500 or $1000 can lower premiums significantly. Make sure you can afford the out-of-pocket cost if a claim occurs.
• Ask About Bundling Discounts -?Insure all your business policies with one company (general liability, property, worker's comp, etc.) to maximize multipolicy savings.
• Enroll in Telematics Programs -?Allowing insurers to monitor driver behaviors through smart technology can lead to premium discounts.
• Improve Driver Safety -?Documenting driver training programs you've implemented can help lower rates. Tighten motor vehicle records (MVR) screening.
• Review Exclusions Closely -?Removing unnecessary exclusions like luxury vehicle limits can open up savings opportunities with certain insurers.
• Work with an Independent Agent -?An expert agent that can quote multiple insurers may help you find the best fit for your unique situation.

Shopping around, customizing your policy, raising deductibles judiciously, and implementing safety initiatives can chop 20% or more from your annual premiums.

Questions to Ask Agents When Comparing Quotes

To make sure you get apples-to-apples rate comparisons and understand all the variables at play, here are some key questions to ask agents as you shop quotes:

• Do you specialize in small business commercial auto insurance?
• What limits and deductibles do you recommend for our business?
• Will we qualify for any industry-specific discounts?
• Can we get discounts for insuring multiple vehicles?
• What safety initiatives would help lower our rates?
• How does your billing/payment process work?
• Can you provide references from other local business customers?
• What coverages are excluded that we should consider adding?
• What factors make your quotes more/less affordable than competitors?

Doing your due diligence across multiple carriers can save your company hundreds or thousands per year compared to going with the first decent rate you're quoted.

Top 5 Very Cheap Commercial Auto Insurers for Small Businesses in Pennsylvania

Now that we've covered the key background information and cost-saving tips let's dive into detailed overviews of the top 5 insurers known for competitive pricing and robust coverage options catered to small and midsized business auto insurance needs in the state:

State Farm

State Farm is the number one commercial auto insurer in the United States for a reason – they offer an unbeatable combination of affordable rates, broad coverage options, and stellar service backing every policy.

State Farm should be one of the first places you turn for a quote for small businesses in Pennsylvania looking to insure a handful of vehicles. They are particularly competitive for lighter business uses like sales, services, delivery, etc.

What makes State Farm a top choice?

• Low Rates for Preferred Business Types:?State Farm offers ultra-competitive pricing for commercial auto policies, especially for light-duty local business uses. As a national leader, their scale allows low overhead costs that support reduced rate filings.
• Robust Customization Options:?You can build a tailored policy with add-ons like rental reimbursement, towing/labor, special parts coverage, rideshare gap protection, and more. Get coverage dialed in for your exact risks.
• Bundling Discounts:?Ensure your general business liability, work comp, property/casualty, and other policies with State Farm to maximize multipolicy discount opportunities.
• Usage-Based Discounts:?State Farm's Drive Safe & SaveTM program allows you to share vehicle driving data through telematics to analyze habits and earn significant discounts for safe operations.
• 24/7 Certified Claims Service:?File a claim easily online or by phone. Local agents and adjusters aim to resolve claims quickly and hassle-free.
• Financial Strength:?State Farm has paid dividends to policyholders for 85 years straight. You can trust they'll be there when you need them most.

For a quick quote, visit State Farm's website and enter your basic details. Then, connect with a local agent to discuss tailoring coverage, bundling options, fleet discounts, and other ways to maximize value for your business vehicles.

GEICO

Known for those amusing gecko TV commercials, GEICO has a robust commercial auto division that offers significant savings opportunities for small business owners.

Their online quoting process makes it easy to compare base rates across their broad eligibility footprint. GEICO insures standard passenger vehicles and hundreds of other vehicle types – from pickups, vans, and box trucks to dump trucks, transit buses, and more.

The top reasons Geico is a go-to for cheap rates include the following:

• Low Base Rates:?Geico leverages its massive size and direct sales model to drive competitive baseline pricing, often 10-15% less than competitors.
• Usage-Based Discounts:?The Geico DriveEasy program gives you savings for sharing driving behaviors through an easy-to-use mobile app.
• Bundling Opportunities:?Insuring multiple vehicles and combining commercial auto with general liability or other policies can mean discounts of up to 30%.
• Flexible Payment Options:?Pay in full upfront or go with monthly/quarterly installments. You can manage payments and policy details 100% online.
• Rapid Digital Claims:?The claims process is smooth and streamlined with online/mobile tools, 24/7 assistance, and fast settlements.
• Financial Strength:?Geico is backed by Berkshire Hathaway, earning them consistently high ratings for financial performance.

While GEICO offers a more direct model than some insurers, independent agents can still provide quotes. Policies can also be serviced through local agents if desired.

Overall, GEICO should be on your list to compare for light-duty commercial auto needs. Snagging a low rate from them could make the Geico gecko your new favorite reptile.

Allstate

Regional insurer Allstate operates exclusively in 12 states, including Pennsylvania. However, they have built a reputation for competitive pricing on commercial auto policies and stellar customer service.

Erie writes over $1 billion annually in commercial auto premiums across 350,000+ business policies. Their expertise and focus on small-medium businesses have earned them an A+ rating with the Better Business Bureau.

Why consider Erie for your commercial fleet policy?

• Local Expertise:?Erie agents in PA know the state insurance regulations. They can tailor the right policy to meet your needs.
• Rates Underwriters Can Tweak:?If a quote seems high, ask your agent to have their underwriter re-assess it for maximum cost savings.
• Flexible Usage Tiers:?Erie's plans allow personal use, occasional passenger transport, and other mixed usage without high rates.
• Small Fleet Discounts:?Insuring as few as 3-5 vehicles together can lead to 15%+ discounts.
• First Accident Forgiveness:?Your rates won't increase due to your first minor, covered accident with Erie.
• Multiproduct Savings:?Erie offers attractive discounts when bundling commercial auto with business property, general liability, worker's comp, and more.

The best way to start with Erie is by working with a local, established agent. They will make sure you get risk-appropriate coverage at the most competitive price. Erie is worth checking out.

Country Financial

Country Financial is a great commercial carrier to receive quotes from for broader business insurance needs beyond just auto.

They are frequently ranked as one of the top universal business insurers in the United States. Country Financial writes over $6 billion annually in commercial auto premiums, providing coverage for hundreds of thousands of fleets.

Why choose Travelers for competitive commercial auto rates?

• Account Credits Up to 15%:?Long-time customers can earn significant credits applied to all lines of insurance.
• Package Savings:?Bundling auto with general liability, property, umbrella, and worker's comp can get discounts of up to 20%.
• Mixed Use Flexibility:?Travelers can accommodate light personal usage without non-owned coverages needed.
• Responsible Practices Rewards:?Documenting driver training programs, telematics usage, motor vehicle record screening, and other proactive initiatives can lower premiums.
• Claims Specialization:?Travelers invests heavily in claims management training and technology to resolve losses rapidly and effectively.
• Financial Strength:?Travelers has paid dividends yearly since 1896 and maintains $25 billion+ in assets.

Country Financial's small business insurance offerings are worth exploring whether you need auto coverage or a full suite of commercial policies. An independent agent partnered with them can walk through cost savings opportunities.

Liberty Mutual

Our top 5 is Liberty Mutual, a leading business insurer with 200+ years of experience meeting SME needs.

While particularly strong in Northeast states, Liberty Mutual offers competitive commercial auto nationwide, including in Pennsylvania.

They are known for generous bundling discounts and other advantages that can make their rates extremely attractive.

Key reasons to consider Liberty Mutual include:

• Bundling Discounts Over 20%:?Maximum savings when you insure workers' comp, general liability, property, and more, along with auto.
• Responsible Practices Rewards:?Documenting fleet safety programs yields up to 10% off premiums.
• No Flat Cancellations:?Hartford won't suddenly cancel stable policies mid-term like others.
• Hybrid Vehicle Discounts:?Insuring newer eco-friendly vans, sedans, and trucks can save up to 10%.
• Accident Forgiveness:?Your first minor accident won't trigger increased premiums at renewal time.
• Package Policies Available:?Simplify billing and administration with a bundled business owner's policy.

Strong financial backing, excellent claims service, and discounts for responsible practices make Liberty Mutual a stable choice for Pennsylvania small businesses needing commercial auto coverage.

FAQs on Finding the Best Cheap Commercial Auto Insurance

We've covered a lot of ground regarding maximizing savings on Pennsylvania small business auto insurance. Here are answers to some frequently asked questions to help consolidate the key takeaways:

How much should small business auto insurance cost in Pennsylvania?

For light commercial uses, base rates can start around $750-$1500 per vehicle annually. However, costs vary dramatically based on exact vehicles, coverages, and insurers. Comparing quotes is the only way to find the best deal.

How do insurers determine commercial auto rates?

They utilize complex rating algorithms weighing factors like vehicle types, business use, driver records, location, coverage limits, and claims history. Minor details can impact pricing significantly.

What are the biggest ways to save on small business auto insurance?

Comparing multiple quotes, raising deductibles cautiously, bundling with other policies, improving driver safety records, optimizing coverage limits, and enrolling in telematics programs offer the biggest savings opportunities. An independent agent can help find the best fit and value.

How many vehicles must you ensure to get fleet discounts?

Minimum fleet sizes for discounts vary by insurer. Some offer breaks on as few as 3-5 vehicles insured together. Larger fleets of 10+ vehicles may save 20% or more.

Should you insure personal and business vehicles together?

Usually not - combining personal and commercial autos rarely saves money and can create coverage gaps. Only insure company drivers on commercial policies. Let employees use personal policies for their vehicles.

Can you insure business vehicles for occasional personal use?

Most insurers allow limited personal use, like commuting, without rate hikes. But confirm details with agents. Significant frequent personal mileage may need a non-owned auto liability policy.

How much liability coverage is recommended?

Experts suggest at least $500,000 to $1 million per accident to protect your business assets better. Higher limits don't raise premiums dramatically and avoid large lawsuits hitting your pocket.

Should you insure older business vehicles?

The savings on dropping collision/comprehensive for older models over ten years old is usually minimal. Often best to maintain full coverage in case of theft or damage. Again, compare quotes both ways.

The Bottom Line

There's no reason paying for commercial auto insurance has to be needlessly expensive or complex for Pennsylvania small business owners. With some research effort comparing top insurers like State Farm, GEICO, Allstate, Country Financial, and Liberty Mutual, finding affordable rates for the coverage you need is quite achievable.

This detailed guide better equips you to make smart decisions and maximize savings on your business vehicles. Protecting your company assets and drivers on the road is crucial, but it should also fit your budget. Partnering with an experienced local agent can guide you to navigate the commercial insurance process smoothly.

Best of luck securing the ideal policy at the most competitive price for your transportation needs this coming year! Drive safely.

Disclaimer:?The reviewed car insurance products are stand-alone services, and we have no direct involvement in their quotes or influence over rates and terms. Requesting a car insurance quote does not guarantee approval, and some products may perform other checks. Some car insurance products may only be available in some states. This article provides general information, and although we strive for accuracy, we are not liable for errors or omissions. Some links may be affiliate links; we may earn commissions if clicked. Verify information independently and seek professional advice before making decisions; use of this article implies acceptance of these terms.