Insurance for non mobile detailers

**akj** · 03-19-2013, 06:32 PM

So I've got a shop where I do all my work. I've started to get lots if business. 2 dealerships want to use me for all their trade ins and used cars.
1 problem.. they require me to have insurance that covers their vehicle the moment I take possession of it. (Understandable). The thing is j have no clue what type of insurance I need where to get it how much it'll cost or anything.

So does anyone have any info on this? What type of insurance to get how much should it cover who offers it and about how much will it cost me?

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**SeaJay's** · 03-19-2013, 06:44 PM

Your going to need a garage keepers and general liability policy.

Contact some of your local insurance company's. Explain what your looking for and they should be able to get you insurance quotes.

I pay $1,700 a year for my policies.

**Pureshine** · 03-19-2013, 07:24 PM

Here is a thread for you to read.
http://www.autogeekonline.net/forum/...insurance.html

**akj** · 03-20-2013, 11:12 PM

I've gotten a few quotes and they all seem a bit to high.. they all are around 2k a year and $3 to $400 down payment does that sound right?
And should they need my drivers license info for it?

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**Pureshine** · 03-21-2013, 12:51 AM

Originally Posted by akj

I've gotten a few quotes and they all seem a bit to high.. they all are around 2k a year and $3 to $400 down payment does that sound right?
And should they need my drivers license info for it?

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I pay $30 a month for my garage keeper insurance from state farm. Look at the link I posted above.

**Pureshine** · 03-21-2013, 12:53 AM

Originally Posted by SeaJay's

Your going to need a garage keepers and general liability policy.

Contact some of your local insurance company's. Explain what your looking for and they should be able to get you insurance quotes.

I pay $1,700 a year for my policies.

that seems high mines only $360 a year.

**akj** · 03-21-2013, 01:13 AM

Is there any way u could tell me exactly what your policy is? That way I can tell the agent exactly what I want so I'm not being juked into any extra. Also did they need to use your driving record?

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**Pureshine** · 03-21-2013, 01:15 AM

Originally Posted by akj

Is there any way u could tell me exactly what your policy is? That way I can tell the agent exactly what I want so I'm not being juked into any extra. Also did they need to use your driving record?

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I posted above its called Garage Keepers Insurance.

**akj** · 03-21-2013, 01:18 AM

That'd what they say they're quoting me on.. don't know y its so high... they did have to pull my not so good driving record did they have to pull yours?

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**Pureshine** · 03-21-2013, 01:21 AM

Originally Posted by akj

That'd what they say they're quoting me on.. don't know y its so high... they did have to pull my not so good driving record did they have to pull yours?

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That I'm not sure of but I have had perfect driving record for 12 years lol. If your drive record could raise your prices if its bad since you will be driving customers cars.