At its core, commercial auto insurance offers coverage that is similar to a personal auto insurance policy. There is liability, comprehensive, collision, personal injury protection, medical payments, roadside assistance, rental, and uninsured motorist coverage. All of which can be meticulously curated personally for you and your business to provide you with outstanding commercial auto insurance in Boca Raton.

Beyond just the coverage, a commercial auto policy in Boca Raton also provides the ability to cover a wider range of commercial vehicles that you may have for your business that are not eligible for coverage under a personal auto policy. Certain types of larger vans and trucks like food trucks, box trucks and service utility trucks would fall in this category however company cars and vehicles used for business purposes can also be covered on a commercial policy as well.

Commercial auto policies also allow you to have a larger number of drivers covered which can extend to employees and not just members of your household like a personal auto policy would require. 

As previously stated, commercial auto insurance policies cover a lot of the same coverage as personal insurance policies however there are usually differences in eligibility, definitions, coverages, exclusions and limits. Examples of different types of coverage are as follows:

Bodily Injury Liability coverage – Coverage for any bodily injury or death to another person resulting from an accident in which you are at fault.

Property Damage Liability coverage – This is the protection you have to protect yourself if your vehicle accidentally damages another person’s property of any kind. This coverage will also provide you with legal defense in most cases.

Combined Single Limit (CSL) – Since most liability policies usually offer separate limits for bodily injury and property damage, this is sometimes an option where both of those are covered under one single limit. The same dollar amount for coverage would be offered whether the claim is for bodily injury or property damage and whether it is dealing with one person or several.

Medical Payments – This typically would cover the medical expenses of the driver and passengers of the vehicle for bills incurred as a result of a covered accident, regardless of fault.

Uninsured Motorist Coverage – pays for your injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.

Comprehensive Physical Damage Coverage – pays for damage to your vehicle from theft, vandalism, flood, fire, and other covered perils.

Collision Coverage – pays for damage to your vehicle when it hits or is hit by another object.

Not all companies offer commercial policies but here at Advantage Plus Insurance, we have partnered with Progressive, Kemper Auto, Mercury, and Bristol West to provide you with a quality product and even better customer service so you know your business in Boca Raton is in good hands at all times. They all offer competitive rates and in-depth coverage options so you can be at ease knowing that whatever potential event may occur in the future, they’ve got your back.

For more information about your specific situation and if a commercial policy is right for you, please give us a call at (954) 289-4020.


Boca Raton, or as it was originally spelled “Bocaratone” was incorporated in 1924 and in 1925 adopted the current spelling of its name. Like many other cities in the area, Boca Raton experienced exponential growth during the Florida land boom of the 1920’s in a time in which several investors were interested in turning Boca Raton into a resort town. In fact, the Ritz-Carlton Cloister Inn was built in 1926 and later named the Boca Raton Resort & Club and is one of the only 5 Star hotels located in Florida. The resort added its “pink tower” in 1969 which is visible from miles away and serves as a towering monument to the Intercoastal Waterway.

After World War II, Boca Raton experienced population growth like much of South Florida however when IBM moved to the area and began construction of its main complex in 1967, the area was now a prime destination for those seeking to work for this behemoth of an IT company. In the wake of this and an explosion of development overall, Boca Raton experienced some decay that it was able to overcome and revitalize in the 1990’s. A home for many Floridians and transplants from elsewhere in the United States, Boca Raton is now one of the more desirable areas for people to live in South Florida.

Managing cost on an auto insurance policy in Boca Raton is something that all customers are always looking to do. In Boca Raton, the average person is paying around $246 per month for auto insurance. Coverage levels do vary, but you need to make sure that you are protecting your assets while simultaneously making sure your premium doesn’t become too costly. This type of balance isn’t always easy to obtain but with a little patience and a knowledgeable agent that you trust, you can be sure you are getting what you need without breaking the bank.

There are an array of ways that you can get lower insurance and these are things that are not frequently thought of or just seem like a bit of a drag. With that in mind, Advantage Plus prides itself on taking on that burden for you. Here are a few examples of how you can do your part to protect your wallet and make sure you have the best auto insurance rate possible in Boca Raton.

Shop around – Life can get pretty hectic and we understand that work, commitments, family etc can eat up a lot of time. So who has or wants to use the time to search around for insurance rates? As your auto insurance agent in Boca Raton, we take this process out of your hands and handle it for you. We have partnered with NINE different auto insurance providers to make sure you have the best options when choosing the policy that’s right for you. Many of the ones we have relationships with have ‘A’ ratings on A.M. Best which means if you’re looking for the best possible service, we’ve got you covered. We also have other options for those of you with a firm budget that aren’t looking to break the bank. Whatever your needs may be, we’ve got you covered.

Raise your deductibles – This is one of the more common ways to reduce premiums so if you are okay with coming out of pocket a little more should an incident arise, raising your deductibles will ultimately lower how much you pay for your premium. Auto insurance in Boca Raton can sometimes get a bit pricey so every penny counts. Just make sure you are truthful with yourself though and be sure that the amount that you select for your deductible is manageable for you in the event that a loss should occur.

Pay in advance – Assuming you are in a position to be able to lay the money out at the beginning of the term, this is very simple and can result in significant savings. Companies will not only give you a discount but they also eliminate any fees that they assess on their policies and the savings can amount to hundreds of dollars in some cases. If you are not in a position to do that, at very minimum set up your monthly installments on autopay as that will earn you a bit of a discount as well.

Telematics – This is not an option for every provider, but some do offer telematics tracking through either a device install or an application that you download on your phone. This allows the company to track your driving habits to get a more personalized view of you specifically. These will typically earn you a discount to a varying degree upon the inception of the policy. This gives you the opportunity to either earn more discounts with safe driving or potentially lose discounts if your driving habits are unfavorable in the eyes of the company. It’s important to be honest with yourself because your habits will ultimately determine how your rate develops over not only the life of your current policy but also for the ones you have going forward.

What does this mean for you? It means give us a call and let one of our auto insurance agents in Boca Raton do the heavy lifting for you. Our licensed professionals are here to help guide you through every step of the insurance buying process. From hearing and understanding your needs to assessing the best options for you in terms of coverage and cost, we’re with you every step of the way. We realize the best thing we can provide for you is trust which is why with us you’re treated as part of our family. All of the stress you would normally associate with this process goes out the window as we strive to provide the smoothest experience in your area. 

So what are you waiting for? Give us a call today and become part of the Advantage Plus family!