Commercial Auto Insurance in Arizona

If you own a business that relies on its vehicles, you likely are familiar with commercial auto insurance. This type of coverage can help pay for your business’s liability to others due to an accident or specific damages to a business’s covered vehicles. Depending on your policy, commercial auto insurance in Arizona can help business owners navigate situations without risking additional expenses.  

Access Insurance Agency of Arizona, LLC stands out by utilizing years of experience and expertise to help small businesses find the insurance that fits their needs and budget. With a commitment to understanding the unique needs of Arizona’s diverse entrepreneurial landscape, Access may be able to help support your journey.  

Comprehensive commercial auto insurance solutions 

Access offers a range of comprehensive solutions to meet a wide range of business needs in Arizona. Some of these policies include: 

• Liability coverage: This coverage can help pay for damages and injuries you may cause to others in an accident. Every state has a minimum liability coverage requirement, which will be the baseline coverage that your business may need to purchase. 
• Collision coverage: This can help pay for damages to your vehicle after a collision, regardless of who is at fault. 
• Comprehensive coverage: This policy can help pay for damages to your vehicle from a non-collision incident such as theft, vandalism, or natural disasters. 
• Medical payments: This coverage can help cover medical expenses for you and your passengers in the event of an accident.  
• Uninsured/underinsured motorist coverage: This coverage can help pay for damages to your vehicle after an accident with an at-fault uninsured driver.  

Who is eligible for commercial vehicle coverage? 

Access Insurance Agency of Arizona, LLC can help businesses and professions in Arizona navigate an array of commercial vehicle insurance needs. You may be interested in commercial auto insurance if your business uses vehicles in its operations, including these sectors:  

• Construction: These businesses often use vehicles to get to and from job sites, making coverage important to help avoid financial issues.    
• HVAC technicians: HVAC businesses have vehicles to make numerous drives during the day, which may require commercial auto coverage.  
• Landscapers: Landscaping services may benefit from commercial auto insurance to help pay for vehicle damage that could occur during a worksite visit. 
• Delivery services: Due to high business-related travel, delivery service companies may want commercial auto coverage.  

The types of vehicles that may need coverage under commercial auto insurance include vans, pickups, box trucks, tow trucks, food trucks, and other specified vehicles that are used for work-related purposes.  

How much does commercial auto insurance cost in Arizona? 

The average cost of commercial auto insurance in Arizona can vary, and depends on a combination of factors including location, driving history, and industry. In Phoenix, insurance costs may be more expensive since it’s typically common to experience larger premiums in bigger cities. 

Several factors can influence commercial auto insurance costs, including: 

• Location: Urban areas like Phoenix may see higher rates due to higher levels of insurance claims and accidents. 
• Vehicle type: Vehicles that tow heavy loads may incur higher premiums. 
• Driving history: A clean driving record for all employee drivers may help reduce insurance costs. 
• Business type: Certain industries may expect higher insurance prices.  

Arizona commercial auto insurance requirements 

In Arizona, businesses that use vehicles must meet specific minimum liability coverage requirements to operate legally. This requirement is:  

• $25,000 for bodily injury liability for one person 
• $50,000 for bodily injury liability for two or more people  
• $15,000 for property damage liability  

While not legally mandatory, additional coverage options may be helpful for your business vehicles. Options like comprehensive and collision coverages are often recommended since they may help you avoid significant financial strain in the long run.  

Why choose Access Insurance Agency of Arizona, LLC? 

When it comes to commercial auto insurance in Arizona, Access can offer several reasons to choose us: 

• Extensive coverage options: We have a broad range of coverage types that can help businesses find auto insurance for their needs and budget.  
• Competitive rates: We strive to offer budget-friendly rates, especially for small businesses, which can help coverage become more accessible.  
• Dedicated customer support: We prioritize customer service and can help you with questions and concerns about policies, the insurance claim process, and liability insurance requirements. 
• Flexible payment plans: The providers we work with allow various payment options and may offer different types of identification (including matricula consular and temporary licenses). 

Locations we serve 

We proudly serve several locations across Arizona. We have offices in: 

• Phoenix
• Tucson 
• Mesa 
• Chandler 
• Glendale 

If your business is based in Arizona, you may be able to find the commercial auto coverage you want with Access. 

How to get started 

If you’re looking for coverage for your business, you may want to follow some of these steps: 

• Contact us: Reach out to us by calling 602-922-3595 to discuss your business needs and specific coverage requirements. 
• Get a quote: You can receive a commercial auto insurance quote online, where you can input your information to get a solid estimate.  
• Choose your plan: We can help you select the coverage options that suit your business needs and budget. 

Investing in commercial auto insurance may be vital for businesses in Arizona that rely on vehicles. With Access Insurance Agency of Arizona, LLC, you may gain a deeper insight into your business’s unique needs, allowing you to find the coverage that can help your company’s success.