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Fleet Insurance in Vancouver and Ridgefield, WA

If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. These plans resemble a commercial auto policy that covers many vehicles at the same time, helping you to meet coverage requirements at an affordable rate.

Industries that can benefit from fleet insurance coverage include:

  • Government agencies
  • Construction companies (including those with large construction vehicles like bulldozers)
  • Taxi services
  • Vehicle rental companies
  • Delivery services
  • Any other company that operates a fleet of vehicles

As of 2013, the Bureau of Transportation Statistics found that there were over eleven million fleet vehicles in service, with government and rental use seeing the most growth over the years.

Fleet Insurance Features: Commercial Auto Insurance

Commercial vehicle policies are a major part of fleet insurance, and they cover the vehicles themselves against damage and loss.

In most cases, fleets that focus on services (handymen, locksmiths, and similar professions) will see the largest discount on their premiums. Vehicles used for retail work, such as delivering food or flowers, usually see a more moderate reduction in premiums. Finally, companies that ship either people or large volumes of products see the lowest reduction, simply because there tends to be more damage in a collision. The current average is more than $20,000 for each incident, and since fleet drivers tend to be on the road far more than the average person, there’s a greater likelihood of a collision sooner or later. However, this is when having the proper insurance coverage becomes invaluable.

What's Covered by Fleet Insurance

The main component of fleet insurance is its blanket coverage of vehicles and employees—any employee will be insured while driving any vehicle in your fleet unless they've been specifically excluded from the policy. This is ideal for companies where vehicles frequently have different drivers, as well as companies that have vehicles out on the roads on a regular basis. All fleet insurance policies will meet or exceed the minimum amount of coverage required for commercial vehicles in your area.

If you're not sure whether a vehicle you use qualifies for coverage under a fleet policy (for example, you have a privately owned vehicle that's also used for business purposes), talk a Altech Insurance Agency agent and they'll let you know if your vehicle is eligible.

 

1. Hatfield, Gary, and Janis Christensen. "10 Ways to Reduce Fleet Costs." Fleet Financials. March 2014. Accessed April 27, 2016. http://www.fleetfinancials.com/article/story/2014/02/10-ways-to-reduce-fleet-costs.aspx.

2. "Table 1-14: U.S. Automobile and Truck Fleets by Use (Thousands)." Bureau of Transportation Statistics. Accessed April 27, 2016. http://www.rita.dot.gov/bts/sites/rita.dot.gov.bts/files/publications/national_transportation_statistics/html/table_01_14.html_mfd.

3. "Do You Know the True Cost of Fleet Accidents?" Telogis Blog. Accessed April 27, 2016. http://www.telogis.com/blog/cost-of-fleet-accidents/.

Our Location

Altech Insurance - Vancouver, WA

7813 NE 13th Ave
Vancouver, WA 98665
Main office: 360-573-3080
Fax: 360-573-7750

Our Providers

Testimonials

I've been using Altech for my insurance needs for over 15 years and have yet to be disappointed. They are the best at shopping for policies, they're easy to work with and have always been more than helpful. I would not hesitate to recommend them to anyone of my friends or family members.

Mik H.
The best insurance agency I have ever dealt with - and there's been a long list!!!!!!

Ron S.
They are understanding, caring, thoughtful, professional, and knowledgeable. I trust them and know that they have my best interest at heart. I can't imagine going anywhere else because they make me feel like their top priority whenever I call. Thank you Altech for being always being there for me and always making me feel welcome.

Steven E.
7+ years of dealing with Altech, for auto and renters insurance, we're very happy. Everyone we've referred is also very happy. Honest, quick service, return calls when they say they will, that's a big deal around here.

Gary V.
A Lasting Tradition of Excellence, Caring & Honesty is a wonderful motto for this company. Thank you Altech for your wonderful years of taking care of my family.

Sheryl L.
As a small business owner, finding true professionals to work with can be a task in itself. After contacting a number of insurance agents, I felt a kindred soul with Neil at Altech Insurance. I highly recommend Neil and his team for all your insurance needs.

Dustin
Altech Insurance Agency is the best. Thanks for all your help.

Dan and Jenny
Altech is a full service agent that will be there with you from the inception of your policy and available to answer all your insurance questions. I would highly recommend them for any of your insurance needs.

Chris S
Altech actually answers the phone and took as much time as I needed to answer my questions. It has been a stroke of luck to find an agency that puts me first, and listens and explains insurance so I can understand it. I would highly recommend giving them a call!

John W.
My family has been with Altech Insurance since January 1, 2003. Neil Worland and staff has taken care of our Home, Auto, Boat, and life insurance for all these year. This office is just wonderful, you feel like you have a friend when you need something or HELP, even after office hours.

Sheryl L.
Altech has always treated us well and with respect. They are not only in business to make money, but also to build relationships with their clients. They will work to get you the best deal and will always make sure you have the amount of coverage and the right coverage for your needs. I have never felt like a number when dealing with them. I highly recommend them for all of your insurance needs.

Mike R.
The best insurance agent we have ever had. Gives us the best prices on our insurance plans every year. Exceptional customer service. Answers the phone and gets information to us super fast. We will never use another agent. We are spoiled with Neil, thank you, thank you!

Pam H.