Working and running your own business from home can be difficult and expensive.
Combine with this the fact that you'll need to take out a separate auto insurance policy if you use your car for home business uses and the costs just keep multiplying.
This is because your home car insurance does not cover you for commercial uses.
People may think it does, as they have 'regular' car insurance when the drive to work, but that's different to using your car for work, as opposed to using your car to get to work.
When looking for motor insurance quotes in San Diego, the first thing you need to do is to contact your existing auto insurance company/agent and describe exactly what you use your car for.
This will help them determine if you need an additional policy for commercial use.
Your correspondent will ask you a few questions about the usage of your car to determine this, such as if anyone else (such as an employee) uses your car.
If you use your car for business uses in San Diego (such as deliveries) should take out a commercial auto insurance policy.
So what's the benefit of San Diego commercial auto insurance? While giving you the same cover that your regular policy offers, it will also cover you for collision, comprehensive personal injury and liability when in a commercial environment.
It's a good idea to have a detailed talk with your insurance companies about exactly which details you require, and what you need coverage for, without paying for something that you don't need.
Remember though, if you're current insurer isn't offering you the auto insurance quotes you're looking for, don't hesitate to look around since sometimes the grass is greener on the other side.
It doesn't hurt to get a few extra quotes here and there, and you may find yourself making a big saving.
When looking for the cheapest auto insurance quotes San Diego companies can offer you, remember to look at what kind of coverage they are offering and not just at the price they're asking.
Also, if you've never heard of the company, do some background research and ask around to see if they're well respected, have good customer service and are financially stable.
It would also be wise to check out the number of insurance-related complaints that they get, by visiting the California insurance department.