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Coverage and Policy Options for Commercial Auto Insurance in New Jersey

Coverage and Policy Options for Commercial Auto Insurance in New Jersey

Your vehicles are important assets that keep your business moving forward. When you choose Plymouth Rock Assurance, you’ll be able to build an insurance protection program that suits the unique needs of your business. 

There’s no need for you to make all of those decisions on your own. We work with independent agents who are experts in their local markets and will help you sort through commercial auto insurance coverage and policy options available in New Jersey. Let us help you so you can focus on your business. 

Here are some of the options your agent will help you consider: 

Limits

Your policy limits are the maximum amount an insurance company will pay for a covered loss (less any applicable deductible). While there may be certain minimum limits, you’ll have options available for bodily injury coverage, Personal Injury Protection medical expenses and other options, depending on your coverages. 

Coverages

The New Jersey Motor Vehicle Commission mandates that all vehicles registered in the state have coverage for liability insurance for damages, coverage for medical payments and uninsured motorist coverage. But, there are many other options available from Plymouth Rock, like comprehensive, collision, fire & theft, and more. 

Deductibles

Your deductible is the amount you agree to pay out of pocket before your coverage takes effect. Higher deductibles typically lower your commercial automobile insurance rate, but can increase your costs following an accident. You may need to choose the deductible level on some of your coverages, depending on which coverages your program includes. 

Payment Plans

There are several commercial vehicle insurance payment plans and options available for our company. You can choose to pay your premium in full, by electronic funds transfer (EFT) or by installment plans. Our installment plans have down payments that range from 10% to 25% . Ask a local independent insurance agent for more information. 

Vehicle Valuations

When it comes to setting the cash value of your business vehicles, we put you in the drivers’ seat. That ensures you’re not purchasing unnecessary coverage on the physical damage portion of your policy. 

You can also read information about the discounts you may be eligible for to help you save more on your policy! 

Call 833-508-0974 or find a local independent agent to learn more about commercial auto insurance coverage in NJ.