If you’re looking for insurance for your bus limo, it’s important to shop around. With our request three quotes form, you can get in touch with three agents at once. They will each offer you a price on bus limoinsurance and you choose the policy that works best for you.
Who needs Bus Limo insurance?
Bus Limos are typically smaller buses that can hold fewer than fifteen passengers. They can be used for a number of different organizations. Hotels, churches, scout troops, bingo parlors, and after-school clubs all use limo buses.
All private, personal, and commercial buses on the road need insurance. But they don’t all need the same coverages. A bus limo owned by a hotel and used for airport pickup will need very different coverages than a limo bus that lugs around a marching band. That’s why it’s crucial to talk to an agent who understands your circumstances. If he specializes in bus insurance, he’ll usually be able to help you. And if he can’t, he’ll at least be able to point you in the right direction.
What Coverages Do You Need?
An insurance policy is made up of different coverages. These coverages protect you from different things that can happen on and off the road. The most commonly used coverage is auto liability insurance. This is required by law in every single state. It’s designed to protect other people. Say your limo bus gets into an accident with another vehicle and it was your fault. Auto liability insurance will pay for damage done to that vehicle and any medical expenses if the other driver was hurt. This coverage is important because without it, you would be personally responsible to pay for these things. Most people and businesses can’t afford that sort of thing. That’s why the coverage is a legal requirement. With a policy of at least $1.5 million, you will be protected from most circumstances.
Now, legal auto liability protects other people and other vehicles. A second common coverage is physical damage insurance. this coverage protects your vehicle from damage. So say your bus limo is damaged in a collision — physical damage insurance pays for its repairs. Then there’s also medical payments insurance. Same thing as physical damage except it pays for your passenger’s well-being if they’re hurt while riding your bus.
Questions to ask your agent
The most efficient way to pick your insurance is to speak to multiple agents at once and then ask them questions and from there determine who is best for your business. But how do you know what you should be asking? We’ve compiled the three most crucial questions you should be asking your limo bus insurance agent.
1. When can I reach you? – Many organizations that use bus limos aren’t using them on weekdays between nine and five. They’re using them at night or on weekends. So you need an agent who is available for you when you’re on the job. If you get into an accident, you want to be able to reach someone who can help. So yes, ask if he’s available on nights and weekends, and if he’s not, then ask about 24 hour claims service and if he has it.
2. What is the insurance company’s Rating? – Every insurance company out there is rated differently. Some are highly reliable and are able to be trusted. Some aren’t as reputable. That’s why it’s important for you to make certain that if you are in an accident then the insurance company will be able to reimburse you. Have your agent explain the company’s A.M. Best rating so you know whether they can be counted on.
3. What discounts do you have? – Insurance agents often have discounts that they can offer their customers for a variety of reasons. If you are a veteran, you have a solid credit history, you pay on time, or you pay your entire premium up front, you can expect to pay a little less for insurance. It never hurts to ask.