Have you ever mowed lawn in the winter?   Better yet, do you run a landscaping business in the winter? Do you use a snow plow in the summer?  You know the rest.   If you own a seasonal business like snow plowing or lawn maintenance, then you probably want to lower your business expenses  during the off-season.  By making a few small adjustments to your commercial auto insurance policy, you can save yourself hundreds during your off season.

Many commercial auto insurance companies have specialized policies, that allow business owners to adjust their coverage for season changes.  As a result of having the right coverages, your customized commercial auto insurance rate  reflects the amount of business you do.  During the off season, you can park some of  your coverage.  But if your business is running full speed , your policy runs at full speed to match.

Commercial auto insurance tips for your business during the off season include:

• If you only use your vehicle during the summer, you should consider temporarily removing the coverages you do not need.  Some insurance companies will allow you to drop all coverages except comprehensive coverage.  With comprehensive-only, you keep coverage things like fire theft and vandalism.  When you need to drive the vehicle again, you can contact your insurance company and restart the other needed coverages.

A Comprehensive-only policy also gives you the bonus of having continuous insurance coverage. If you drop your insurance completely, you may pay significantly more to get a new policy when in-season rolls around because most insurance companies want to see proof of continuous coverage.

• If you plan to drive your work truck or other vehicles for personal use during the off-season, let your insurance carrier know. They can adjust your policy to reflect personal use, which can be less expensive while still providing coverage.