Maureen Mulheren

The Mo You Know

Updates

Updates

Commercial Auto Insurance

Posted on October 6, 2015 at 4:50 PM

This is the first Blog I wrote for my friend Melissa at CBR Services. 

The link to their website is below: 

Hi I'm Maureen Mulheren, most people know me as Mo. I've been a licensed insurance agent since 2008. In February of 2015 I opened my own business, Connect Insurance in Ukiah. I'm an "Independent Agent" which means that I can offer my clients a variety of companies.

 

Do you offer any advice to commercial clients on how to reduce their insurance rates? Is there a bundle deal that offers more coverage at a better rate perhaps? Having a bundle would definitely reduce your insurance rates for not only a multi-policy discount but multi-vehicles and drivers. Here are more ways to reduce your commercial auto insurance:

If you have a Commercial Driver's License you can save up to 20 percent, If you have been in business for more than three years you could be eligible for a discount of up to 5 percent, If you've maintained continuous insurance coverage for the last 12 months you could be eligible for additional savings, Paying in full is a great way to get a discount you could save up to 15% by paying your policy all at once.

 

 

Have you noticed if a certain age of a vehicle or age of a driver can impact insurance premiums? As far as the vehicle this is very difficult to determine. It's always my recommendation to have your agent check on the price of various vehicles before you purchase them, one make and model could cost you more that a comparable model.

Insurance rates are based on algorithms of risk. So of course the less experience a driver has the "riskier" they are viewed so the rates are higher. The age at which the risk changes is constantly influx so it would be a little difficult to pinpoint an exact age.

 

Have you noticed if there are areas of coverage that clients could be missing?

Sometimes especially when you are starting out a new company you are looking at saving the most money. As your business grows your risk increases. Also it's important to realize the difference of not carrying "Full coverage", meaning you are carrying a liability only policy, when you do this you are essentially leaving your companies asset (your vehicle) at risk of having to be replaced at your cost. Again this is something that your agent can quote for you so that you can see the value vs the cost.

 

How often should clients review their policy with their agent? Your agent should review your policy each year at your renewal. They would be checking to see if there are any rate increases or decreases with the company they have you with vs other possibilities in their agency. As your company grows and you add vehicles and employees this offers an opportunity to take a look at your policy again and make sure that it is still aligned with the policy you have in place.

 

Do you have any further advice for these clients? Yes, I think its very important to work with an agent that has your bottom line in mind, that includes your rate and your risk. When you build a relationship and trust with your agent that's invaluable to your business.

 

Connect Insurance

Maureen "Mo" Mulheren

Insurance Agent #0G38950

707-391-2101 office

707-391-3664 cell

304 N State Street #1

Ukiah, CA 95482

Find me on Facebook: facebook.com/tmykconnectinsurance

CBR Services:

http://www.cbrservices.net

Categories: Insurance Industry

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

198 Comments

Reply Lynn Sullivan
3:45 PM on June 14, 2016 
Hi Mo,
I am Jerry Scarbrough's mom and I have a new business "Coastal Mountain Screenprinting & Embroidery, LLC".

I am in need of some insurance services such as Worker's Comp insurance along with insurance coverage for the rental of our place of business here in Ukiah at 260 Kuki Road and coverage for our equipment.

Can you help me with that? Not sure if you deal with these types of insurance or not.

Thanks so much!

Lynn Sullivan
[email protected]
462-7400
Reply best auto insurance
2:42 AM on June 14, 2019 
All about best auto insurance visit to get more information.
Reply best auto insurance
2:44 AM on June 14, 2019 
All about best auto insurance visit to get more information.
All about best auto insurance visit https://preinsurance.info/best-auto-insurance/here to get more information.
url=https://preinsurance.info/best-auto-insurance/ says...
best auto insurance

[best auto insurance](https://preinsurance.info/best-auto-insurance/)
Reply earnelo
1:03 PM on December 19, 2020 
Propecia Tablets Buy ToiliadlyRal cialis cheapest online prices sheatmetuala Viagra Opiniones
Reply earnelo
9:18 AM on April 5, 2021 
http://vsviagrav.com/ - generic viagra
Reply earnelo
5:28 AM on May 9, 2021 
buy cialis without prescription
Reply feeplat
4:43 AM on May 13, 2021 
furosemide 40 mg buy online
Reply feeplat
4:45 PM on May 29, 2021 
cialis 20mg
Reply tadalafil daily use
6:08 PM on June 2, 2021 
tadalafil tablets https://nextadalafil.com/ tadalafil 40 generic tadalafil united states
Reply buy tadalafil us
8:54 PM on June 2, 2021 
generic tadalafil https://pulmoprestadalafil.com/ generic tadalafil united states tadalafil
Reply buy tadalafil us
10:30 PM on June 2, 2021 
tadalafil 40 mg daily https://nextadalafil.com/ tadalafil 40 mg from india what is tadalafil
Reply buy tadalafil
10:31 PM on June 2, 2021 
generic tadalafil united states https://extratadalafill.com/ tadalafil pills 20mg buy tadalafil
Reply buy tadalafil
1:17 AM on June 3, 2021 
generic tadalafil united states https://pulmoprestadalafil.com/ 40 mg tadalafil generic tadalafil 40 mg
Reply tadalafil 40 mg from india
2:52 AM on June 3, 2021 
tadalafil pills 20mg https://extratadalafill.com/ buy tadalafil us generic tadalafil 40 mg
Reply tadalis sx
3:03 AM on June 3, 2021 
generic tadalafil https://superactivetadalafil.com/ tadalafil 40 mg daily generic tadalafil
Reply generic tadalafil united states
3:06 AM on June 3, 2021 
tadalafil 40 mg daily https://tadalafilgenc.com/ tadalafil what is tadalafil
Reply buy tadalafil us
7:14 AM on June 3, 2021 
tadalafil tablets https://tadalafilgenc.com/ tadalafil gel tadalafil max dose
Reply generic tadalafil united states
7:16 AM on June 3, 2021 
tadalafil dosage https://superactivetadalafil.com/ generic tadalafil order tadalafil
Reply tadalafil 60 mg for sale
4:36 PM on June 4, 2021 
tadalafil max dose https://tadalafilgenc.com/ tadalafil pills tadalafil online
Reply tadalafil 40 mg from india
9:29 PM on June 5, 2021 
tadalafil pills 20mg https://tadalafilgenc.com/ tadalafil 30 mg tadalafil online