10 Tips for Buying Bus Insurance That Won’t Let You Down

10 Tips for Buying Bus Insurance That Won’t Let You Down

You may not think that bus insurance is important, but it can really come in handy. When you’re driving a large vehicle full of passengers through busy streets, accidents are bound to happen. If you don’t have the right coverage for your passengers and yourself, then things could get real messy real quick. That’s why we wanted to share 10 tips for buying bus insurance that won’t let you down!

1. Call Around

Always make sure to call around to different insurance companies. It can really pay off if you spend a few minutes finding out who offers the best bus insurance rates. Many insurance providers also offer student, business or multi-policy discounts which could help you save even more money! The last thing that you want is to end up with sub-par coverage at a high price. So, don’t be afraid to put in the time and call around!

2. Check With Your Current Insurance Provider

You may find that your current insurance provider already offers bus insurance. It never hurts to check! Even if they don’t offer it, you might still be able to get special rates since you’re already a customer. This is one of the easiest ways to ensure that you have adequate coverage, so do not skip this step!

3. Read The Fine Print

You should never purchase insurance from a company without first reading through their terms and conditions. Make sure that you understand all of the specifics before signing on the dotted line. In most cases, your insurer will have a clause which excludes the use of the bus for certain purposes. One common example is if you are driving passengers for hire or reward. It’s also important to check that there is no mention of exclusions based on criminal activity.

4. Different Types Of Coverage

There are many types of bus insurance policies available on the market. Make sure that you compare the different types before making a final choice. There are three main types that insurers offer:

• On-Demand Bus Insurance means that your policy will come into effect as soon as you have passengers on board. This is usually more expensive than other options, but it’s also the only one which covers you while you’re driving with no one on board.

• Scheduled Bus Insurance offers coverage for buses that are travelling to multiple destinations or which have regular schedules. If you require frequent, scheduled use of your bus then this option might be the best choice for you.

• Interruption Of Trip Bus Insurance provides protection if your trip is interrupted due to an unforeseen event such as an accident, illness or mechanical failure.

5. Check Your State’s Minimum Insurance Requirements

Each state has certain minimum insurance requirements which apply to all vehicles on the road. Make sure that you check with this list and make sure that your bus insurance policy meets these standards at all times. This will help to ensure that any legal proceedings will be covered if you are sued for damages arising from an accident.

6. Get The Right Coverage For Yourself

Many people forget to get adequate coverage for themselves while they’re working as a bus driver. Not only is it important in case something happens to you, but your passengers and other drivers need to be protected as well! You can get personal coverage for things like medical bills, lost wages and damage to your car.

7. Get The Right Coverage For Your Passengers

Just as you should have adequate coverage for yourself, it’s also important is to make sure that your passengers are properly covered in case of an accident. You can check with your insurer to see how much they need to be covered.

8. Know What To Expect After An Accident

Unfortunately, accidents happen and you should always make sure that you know what will happen after an accident occurs. Don’t think that your insurer will work everything out for you; inquire as to what type of action is necessary on your part and how long it will take for you to be compensated for any damages.

9. Get The Right Coverage For Your Bus

Every bus is different and it’s important that you get the right coverage for your type of vehicle as well as its usage. You may need special insurance if you’re driving a large coach or school bus, as some insurers will not cover those types of vehicles under a standard policy.

10. Be Careful With Extras

Some bus insurance policies come with attractive extras, but you should think twice about taking advantage of them before making your final decision. You may also be able to get better discounts on things like roadside assistance or telematics if they are not included in the initial cost of your premium.

What is bus insurance?

Bus insurance is a type of vehicle insurance that covers the owner and passengers in the event of an accident. This includes liability, personal injury, property damage and other costs. Different buses require different types of coverage; make sure you understand your state’s requirements as well as the details of any policy before choosing one for your vehicle.

Does my policy cover me when I’m on a trip?

Most policies will include some degree of coverage for you when your vehicle is in motion or at rest while you’re away from home, but it may vary based on the terms of your agreement. Some plans, for example, only cover certain types of accidents or require you to carry additional coverage before allowing you to use your vehicle for commercial purposes.

What are some benefits of bus insurance?

Bus owners benefit from policies in several ways; liability coverage can protect you if another driver is injured or files a lawsuit after an accident, collision coverage covers the cost of damages to your vehicle, roadside assistance can ease the burden of getting around if your bus is unavailable and personal injury protects you from claims made by others.

What is the minimum amount of insurance I need to get?

Bus owners are typically required to carry liability coverage of at least $50,000 per person and $100,000 per accident in most states. This usually covers injuries and damage to other vehicles or people while you’re on the road. You can also purchase coverage for damage to your vehicle and other optional elements like personal injury protection.

What types of bus accidents are covered under a policy?

A typical bus insurance policy will cover accidents involving other vehicles or objects while on the road, including pedestrians and other buses. It may also be possible to get coverage for damage caused by your vehicle when it is stationary.

How much does bus insurance cost?

The amount of money you pay for your policy will depend on several factors, including the type of bus you drive, its usage and other details such as driving record or past claims. Coverage can be broken down into several categories; make sure it includes all of the elements you need, such as liability and collision coverage.

What bus insurance should I buy?

Bus insurance can be divided into a few categories, including commercial and non-commercial. Commercial buses have schedules or routes and are typically owned by a business, company or organization. They may also transport passengers for compensation as part of their operations. Non-commercial buses include personal vehicles as well as recreational and private buses.

What types of buses must be insured?

All vehicles that are used on public roads, including commercial and private buses, require insurance in most areas. There are some exceptions to the rule; for example, bus companies operating exclusively within city limits may not be required to carry insurance if their operations fall under local regulations.

With This In Mind

We hope you’ve found these tips helpful and will use them to buy a bus insurance policy that suits your needs. If you have any other questions about the process, please don’t hesitate to ask! Our team is happy to answer all of your inquiries as quickly as possible so be sure to give us a call today!

Scroll to Top