Commercial Auto Insurance in Houston Texas

Commercial Auto Insurance in Houston Texas – What You Need to Know

commercial auto insurance in houston

If you’re looking for a Houston commercial auto insurance policy, you’ve come to the right place. Here, you’ll learn the basics of coverage, Exclusions, rates, and cost. Fast Insurance Agency provides risk management solutions to small business owners and contractors. With our commercial auto insurance policies, you can be confident that your company is covered for any type of incident, whether you’re at fault for an accident or not.

Basic coverage

While commercial auto insurance in Houston provides similar coverage to a personal car policy, there are a few important differences. For example, a commercial policy will generally only cover the named driver of a specific vehicle, and you can only use that vehicle for business purposes. Other important differences between a personal auto policy and a commercial policy are the limits and eligibility of those covered. Bodily injury liability coverage is a very important part of commercial auto insurance in Houston, as it helps pay for injuries or damage to other people or property in an accident. This type of insurance is also useful for legal defense, and will minimize your business’ risk.

There are also differences between the types of coverage available, as well as the premiums. While many states require certain minimums, others don’t. In Texas, the minimum amount of coverage is usually $1,000. Some insurance companies offer lower premiums to military members and their dependents. If you have a large fleet of vehicles, you may want to consider a plan that includes full coverage for your drivers. Depending on the type of coverage you choose, you may be able to get lower premiums with USAA. Moreover, the company consistently receives high ratings from the J.D. Power and Customer Satisfaction. Although USAA is not an official ranking, it has excellent financial strength and is rated A++ by AM Best.


Some businessmen may have difficulty understanding the exclusions in their commercial auto insurance policies. In fact, a recent case decided by the United States District Court of Texas held that a policy’s employee exclusion must be read separately for each insured. This case highlights the importance of reviewing the exclusions in commercial insurance policies. There are several ways to interpret these exclusions. The first way is to read them carefully and understand what they mean.

One example is the Family Member Exclusion. This exclusion does not prevent you from recovering UM/UIM benefits if you cause an accident involving a named insured. According to Verhoev v. Progressive Cty. Mut. Insurance Co., 300 S.W. 3d 803 (Texas 2017), this exclusion is enforceable when the damage exceeds the minimum required by the Texas Motor Vehicle Safety Responsibility Act.


If you’re looking for the best rates on your commercial auto insurance in Houston, there are a few factors you should consider. First of all, keep your driving record clean. Driving violations and accidents increase your rate. Even a single violation can bring your rate up by up to $920 per year. To make sure you’re paying the lowest rate, it’s worth it to compare rates from multiple companies. NerdWallet has compiled a table of average rates in Houston for good drivers and for people with DUI’s.

The average rate for car insurance in Houston is $1,671 per year. That’s more expensive than the state and national average. However, you can lower your premium by improving your driving history. If you’ve already received a ticket or accident, keep your record clean and avoid driving recklessly. The lower your rates are, the cheaper your premium will be. A clean driving record helps keep your rates down. In addition to keeping your driving record clean, it also protects your company and drivers’ rights.


If you’re considering a commercial car insurance policy in Houston, Texas, it may be helpful to examine some of the factors that will affect the cost. One factor that affects the cost of a policy is the customer’s occupation. Car insurance companies keep a database of occupations, along with average annual wages, and they can use this information to determine the affordability of policies. Below, we’ll examine the importance of occupation, and we’ll look at how income disparity affects the cost of car insurance.

ZIP code: Houston’s ZIP code is an important consideration for determining the cost of commercial auto insurance. Insurance rates vary considerably by ZIP code, so a high crime area will drive up the cost of the policy. ZIP codes from 77095 to 77078 tend to have higher premiums than ZIP codes with lower crime rates. In the case of Houston, ZIP codes 77095 to 77078 are considered high-risk areas.

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