Contenu
While most buses are used to transport large groups of people commercially, you can choose to purchase a bus and use it with no financial gain whatsoever. If youre driving a bus, though, you may want insurance on it; some states even require insurance policies on vehicles registered through that state. Its easy to get insurance on a bus, especially if its for personal and not commercial use because a bus is insured like a personal vehicle, though you can expect to pay more than you would when insuring a car. Once you have the policy, be sure to keep it in the bus at all times in case of accidents or break-downs.
Contact at least three local insurance agencies and make appointments to meet with their sales representatives. Insurance companies that operate in your state will know the insurance guidelines and requirements for buses in that state, so its best to work close to where the bus is registered to ensure that you have the right coverage.
Attend the meetings. Bring the registration for your bus, which should include the vehicle identification number, the license plate number, and the address where the bus is registered. If you dont have a registration yet, get the VIN number from the tag above the drivers side window or off the engine compartment inside the firewall. You should also bring your drivers license to the meeting. Before the meeting, calculate how many miles you intend to drive each year; your agent will need this information to give you an accurate quote.
Discuss insurance coverage options and rates with each insurance agent. Ask them to show you what type of coverage your state requires on buses and then ask what extras--like towing or rental car reimbursement--come with the deal if their company insures your bus. Ask how many people in the bus are covered and what type of medical reimbursement they would receive in case of an accident.
Compare the rates and extras that each insurance company has offered you. Choose your bus insurance first by looking at the plan that suits your needs and second by selecting the lowest price that meets those needs.
Ask the insurance agent you want to work with to create a policy for you. Read it carefully before you sign it.
Tips
Be sure to specify that youre using the bus as a personal vehicle, not in any commercial sense. This should help you get lower rates.
Tip
- Be sure to specify that youre using the bus as a personal vehicle, not in any commercial sense. This should help you get lower rates.
