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Commercial Auto Insurance

Commercial Auto Insurance Explained

Commercial car insurance is a type of coverage that protects a business and its various vehicles, whether they are cars, vans, buses, trucks, limousines, or other kinds of commercial vehicles. Businesses with large fleets can buy this type of insurance to enormously save on repairs and other costs. Good commercial car insurance can even be utilized to pay for big settlements involving medical costs and other types of losses.

 

Who Benefits

This is insurance coverage designed for businesses, governmental agencies, and non-profits that utilize commercial vehicles. According to the Department of Motor Vehicles regulations, there is a myriad of kinds of commercial vehicles. Such vehicles are normally defined by their gross vehicle weight rating. If a vehicle weighs more than a certain amount, it likely will need to be insured by a commercial vehicle insurance plan.

How It Functions

Various factors are at work in the determination of a monthly premium for commercial vehicles. For instance, trucks that are utilized in the transport of freight over long distances are generally covered by the most costly policies available. Conversely, a small transit van providing local shuttle service will usually be far less expensive to insure. There are other factors in determining premiums of course, such as how old the vehicle is; this is due to the obvious fact that older vehicles will likely have more mechanical breakdowns, which can also mean more accidents and other dangerous consequences of plying the roads.

The Kinds of Coverage Available

The law mandates some level of liability insurance for any commercial vehicle. This kind of coverage will payout to help cover the medical costs of injured drivers and passengers. Liability insurance also compensates for property damage for which the commercial vehicle is at fault. Comprehensive coverage protects commercial cars from damages that are not the result of collisions with other vehicles. As the title suggests, collision insurance can be utilized to pay for both exterior and interior damage of a commercial automobile involved in an accident with another vehicle.

Big Benefits

Obtaining this kind of insurance can lead to significant savings for a business that uses commercial vehicles in their operations. After some loss-causing event, policyholders can file claims and be the recipient of significant amounts of money to pay for repairs and or vehicle replacement.

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Joe Leduc was very responsive in responding to my request for quote and understanding my needs to provide me policies that were very competitive. I appreciate his attention to customer service.
John Barton
John Barton
Kasia was such an amazing help and so quick in completing the changes I needed. Wouldn’t get my insurance anywhere else!
Laura Thomason
Laura Thomason
It was excellent thank you
Charla Davis
Charla Davis
A. Young Insurance Agency!!! Amazing work!! I worked with Andrea during my home insurance process. She worked to get the best pricing available. She kept me in the loop at all time. I really appreciate. A. Young Insurance Agency team. I definitely will recommend. Thank you again!
Clarence “CLA” Rice
Clarence “CLA” Rice
I had a great experience with my Agent Andrea… I was comparing home policies..As a senior citizen She explained various companies and ways I could save money each month…and she called me back couple times ON time as I requested…Thanks AgainSandra
Sandra Johnson
Sandra Johnson
Kelly is the agent that I see she is always been there for me and my wife and she is a great help and I thank her so much?
william Gentle
william Gentle
Friendly, great service ,The staff are awesome.
wildman687
wildman687
Kasia was golden, helped me at last minute with my issues. Helped me save money and everything. It was the greatest pleasure working with her.
Slugg 1101
Slugg 1101
Keseac , is the agent who helped me with my insurance and she was so helpful and kind and knowledgeable and understanding and looked for the best way for me to save money, But keep my car is insured and covered. I am truly very grateful that we have switched to a young insurance agency.
Sharon Schmitt
Sharon Schmitt
😆😄such warm generous to work with, they are by far the people to work with!! For all your insurance needs ! I am amazed by how much of a load it took off -we needed them and we have appreciated all the work they do!! Great Neighbors too!
Kathryn Hawley
Kathryn Hawley
Joe did an awesome job at getting me a new great insurance quote on my auto & I appreciate it more than you know!! Thank you Joe!!
Kristen Hebb
Kristen Hebb
They are hands down the best insurance company that I've ever dealt with! Shannon helps us every 6 months with our policy and they make it affordable for me to be able to have insurance on my vehicles! Shannon and Ron are definitely very down to earth people that care about their community and customers! I would highly recommend them to anyone!
Christopher McCall
Christopher McCall
If you're looking for great customer service and the lowest prices, then reach out to A. Young Insurance Agency. Kelly went out of her way to answer all the questions I had on renters' insurance and then combined them with my auto insurance for a better discount. I purchase my auto insurance from Joe back in April, and he provided a great customer experience at a time when everything in my life was a little hectic. Thank you both of them!
Vicki Briggs-Gamache
Vicki Briggs-Gamache
I had a great experience here. Larry really helped me through the difficult task of obtaining auto and renter's insurance. He went above and beyond to help me understand and compare different quotes and policies.
Char Woods
Char Woods
Great agency. Very responsive, friendly and easy to work with.
Hockey33
Hockey33
Joe Leduc is my agent. Joe finds me the best policies for my house in my car. I I know I’m saving a lot of money which means a lot to me and I’m getting the best coverage. Joe researches every company out there and matches me up with the best one I really appreciate his thoughtfulness and his help
Shelley Staffig
Shelley Staffig
Very happy with my insurance agent. He has saved me lots of money over the years. All the staff there is professional and courteous.
angela pollard
angela pollard
Great rates and quick to respond to inquiries! Recommend highly!
Jenny Kemp
Jenny Kemp
I’ve been working with John and the agency for years now, for both car and renter’s insurance. They have been fantastic, thorough, very easy to communicate with, incredibly helpful, and always proactive if there is something they see that can be changed for the client benefit. I love working with them and my needs are ALWAYS met.
Brooke Eason
Brooke Eason
Would highly recommend A.Young InsuranceAlways very helpful.Explains everything so wellAll the staff are always friendly.
Joanna Kinsella
Joanna Kinsella
Joe has taken great care of my insurance needs and my mothers. Always so friendly!
Ashley Nettles
Ashley Nettles
i have recommended this agency
Cedric Stroud
Cedric Stroud
Its a good place i love it
Ahmed Fayyaz
Ahmed Fayyaz
I recommend to all my family and friends. Shannon is always responsive and helpful and gets everyone the best insurance and best rates.
Debra Urben
Debra Urben
Joe took the time to see if he could meet my needs despite my being a low end customer.
Curtis Maxwell
Curtis Maxwell
Nice down to earth people. Larry goes out of his way to do the best for his customers.
Kristin Cassani
Kristin Cassani
Good customer service and rates for both home and auto.
Ruth
Ruth
Joe was so kind and helpful when I reached out with questions concerning my auto ins. He gave me honest, no pressure advice that I was very appreciative of. Looking forward to working with him in the future.
Meteor Burger
Meteor Burger
John and his Team are always there to help us out. We carry various insurance policies we bundle and they make sure we are always getting the best service. I would recommend this team to everyone!
Mary Milsk
Mary Milsk
Shannon is the Best. Make sure you call "Young Insurance" because she use to work for Look Insurance but after she branched out and away from Look, they took her telephone number away and if you call that number a snotty guy will answer and won't give you any information on how to get in contact with Shannon. He seems that he doesn't like the fact that she is doing very well and offers a better insurance rate. So keep that in mind when looking her up.
Tim Simmons
Tim Simmons
Best of the best. Shannon is a gem that has gone above and beyond for my wife Lori West over the years. She just helped me get the best priced policy and is so very pleasant to work with. Larry also spoke with me and helped with our concerns. A. Young is by far the best. Thank you!
Phil West
Phil West
Super responsive, and dedicate their time to explain any questions you have. On top of the great service, they got me a great deal. If you're looking for a new insurance agency this is it.
M Rut
M Rut

1400 Scott Lake Road, Suite AA
Waterford, MI 48328