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3056 Hardesty Street
Morrisonville, NY 12962
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If you have a fleet of vehicles for your business, you need to have them insured. It is best to consider fleet insurance instead of individual auto insurance policies for each vehicle. There are a lot of benefits of fleet insurance that will make it the first type of insurance you consider.
Everything In One Place
One of the primary benefits of cheapfleet fleet insurance is that everything will be in one place. This will reduce the amount of administration work that goes into getting and tending to your insurance. You will not have to worry about keeping track of multiple auto insurance policies as your own fleet is covered by one policy.
Policy adjustments and any renewals will be handled in one place. You will also never have to worry about one insurer offering you a better deal on some of your vehicles compared to another insurer who covers other vehicles. Adding and changing vehicles part-way through the policy will also be easier to do.
Of course, there are some people who feel that having insurance with one provider will reduce your ability to shop around. This is not always an issue because you will often receive discounts if you do not have any claims in the year. If you do have a lot of claims each year, it might be better to look for individual insurance policies instead.
The Fleet Flexibility
When you get fleet cover, you will have more flexibility when it comes to named drivers. With normal auto insurance, you need to name the driver of the vehicle and the policy will not cover claims when they are not driving. For some companies, this is impossible to maintain and will make insurance and driver management much harder.
With most policies, any authorised driver will be able to legally drive the vehicle and be covered by the insurance. Of course, you will often get a discount if you do have named drivers for the vehicles, but this is not a necessity. The flexibility offered also makes it easier to change drivers for vehicles when needed.
The Fleet No Claims
When you have individual vehicle insurance, the no claims bonus is linked to that one vehicle. With fleet coverage, this is not the case and individual vehicles are not rated. With these policies, you will generate a claims experience which means that your no claims discount will be for all the vehicles.
If you have years of no claims on your insurance, any new vehicles that are added to your fleet will benefit from this discount. This can be a major savings point when it comes to insurance and something that you cannot get with individual insurance. Of course, there is a downside that you need to be aware of.
If you have a driver with a poor claims history, this can negatively impact the whole fleet. Even after this driver leaves your employment, the impact on your insurance can be felt for years. In these cases, you will need to consider individual insurance and check the claims history of your drivers.
Just how do you spot a good car lease? How exactly do you find the best personal car leasing deals?
Leasing is often touted as an affordable way to stay current with the latest and greatest vehicles and industry trends. You get to drive a different car every few years, so you’re not stuck with one thing longer than you want, nor will age, wear, and tear start piling up repair bills and breakdowns on you. However, in quite a few cases, the jury has yet to render a verdict on leasing overall. There are great deals out there, but there are even more than might not stand up to scrutiny, so it’s hard to sometimes differentiate between the absolutely great deals and those that are just industry exercises in selling hype without detail or integrity.
Finding the best personal car leasing deals is the secret to sorting the good deals from the mediocre or even the atrocious. First of all, you have to discern what down payments might be required for the lease. If you’re not sure what a down payment is in the case of a lease, it’s the lump sum amount that you would have to pay in advance of the lease. That’s typically in cash, but it might also be non-cash credit or even a trade-in allowance that’s applied towards reducing the monthly payments. Think twice before doing this on any lease, because it’s typically a bad deal. While many down payments or deposits might be required for the security and peace of mind of the leasing company that they’re not handing out cars to just anyone, you need to keep in mind that down payment money is not typically something you get back at the end of a lease, although a security deposit might be. One huge risk you take here is that if your car gets stolen or damaged, then your insurance is not likely to cover the gap loss that results from money upfront.
You also need to be mindful of mileage limits. The traditional lease is going to cap you at 45,000 free miles spread over a 36-month span. That might seem like a lot at first, but have you ever considered how much you actually drive? Topping 15,000 miles in just one year isn’t hard if you commute to work. You can do it in half or even a quarter of that time if you travel. Even those that work at home can easily rack up 15,000 miles. When you exceed mileage limits, penalties for each additional mile might go as much as 20 cents per mile. If you just go 4,000 miles over per year, then you can wipe out thousands of dollars in penalties. You can get around them if you buy the car, but then that defeats the purpose of swapping out for new vehicles and not owning something that will start wearing down. Be pragmatic and stay grounded about your actual mileage needs, particularly if you have long-distance commutes. The best personal car leasing deals may have higher caps and lower penalties for going over. Try hard to pad your estimates regarding expected mileage use in advance, since it’s cheaper to budget your miles in advance than pay extras for going over at the end of the lease.
Sales tax is something else you need to watch out for, as it is typically capitalized and added to each monthly payment. On the other hand, a number of dealers don’t actually choose to include such figures in their calculations. They do that so that their advertised lease payments appear even lower. In order to check for this, look into the fine print or the small print, which somewhere would say that the monthly payments don’t include ‘sales tax’. Be sure you read the fine print carefully for all hidden or extra costs that aren’t covered by the specifically advertised monthly payments. Unscrupulous fees that might slip through include not just sales tax but also title fees and registration.
One great perk to look out for in great personal leases is included maintenance. While a new car won’t need a lot of love under the hood, it will need some. Look for a car or vehicle that has oil changes and other routine appointments included in the lease contract so all you have to do is show up and get the work done.
Planning to buy a new car? Do yourself a favour and get a pre-owned car. Most of us love the idea of buying a new car and buying a car a significant decision as car prices are going up every day which makes its value quite high for the common man. If you are confused with what to buy, we have listed out some of the reasons for you to buy a used car:
Unlike real estate, cars depreciate and let us get that clear. Buying a new car as an investment is one of the worst decisions you can ever make. Your vehicle might last for a long time, and you would have spent so much money on maintenance, but that does not mean that someone is going to pay more than what you paid initially. So let us be clear on that and rule out the investment options, as automobiles depreciate. It is said that new cars lose up to 50% of its value just in three years of its purchase. So if you want something to take you and your family around the city, you might as well buy a pre-owned car.
Buy fancier cars:
The new cars which are sold in today’s market are very expensive, and with your budget, you might not be able to get all the fancy cars you want to buy. But with the same budget when you go for a used car, you will be able to buy better cars for very less money.
Drive without any tension:
If you have ever noticed a person who is driving a new car, he/she will always be tensed. They have spent a lot of money on the car, and they wouldn’t want a single scratch or dent in the new car. Most of us would be extra cautious, and we will not take it out most of the time because we are afraid that it will get scratched or dented. But the same does not happen when it comes to used cars. You will be able to drive with a peace of mind and enjoy your drive in your car.
Get your used cars with warranty:
Most of you might be thinking that if you get a pre-owned car, you might not be able to get the warranty for the vehicle. But that is not true in most cases. The way used cars are sold and bought these days are done so deliberately. You don’t have to make your purchases just based on the words of the salesman or the dealer. Most dealers these days offer a valid certification, and you can make a hassle free purchase. Dealers also give you a post-purchase warranty with which you can ensure that the used car you buy will work just like a new car.
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When it comes to any accessories my car needs, I always turn to Toy 4 Cars. The team here addresses even the tiniest issues with great patience. Definitely my go-to store for anything my car needs!
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Wilfred J. Natale
James M. Hayes
Paul S. Long