Depending on which State you are working in you may be asked by law to have a specific auto protection policy. Cheap taxi Insurance is available but it can be difficult to search for.
When shopping for taxi cover, stick to the steps you would use when trying to put any protection policy in place. Talk to your colleagues and see where they are shopping for the best deals. Get several quotes and use both an old fashioned broker and a comparison website online. Just keep in mind to compare like with like. If there exists a huge difference in the quoted premiums, read the small print thoroughly.
There are some quirky points that you may forget to put into your application but can have an impact on the price. The first is to disclose the fact you are married. Married men are seen to be less risky by some insurance companies. Also, some companies look favorably on taxi drivers that own a home.
If you work primarily with executives and business workers, i.e. the majority of your fares are for corporate business, mention it. You will be rated differently to the Taxis who depend on getting public fares. The later are more likely to be attacked or have damage done to their cabs because the people they carry will probably have been drinking or maybe taking drugs.
If you have been a taxi driver for years, your premiums are quite likely to be a lot lower. As well as having more driving experience, you should have developed some techniques for dealing with would be difficult passengers. If you have no significant claims, this will decrease the premium further.
If you are new to cab driving but have driven a company car for years, mention that as in some cases that will be enough to get you a discount. It would be an idea to complete an advanced driving test as well to help achieve discounted rates.
The number of people who will be driving your cab will affect your premium. If possible, try to use only named drivers as an open drive policy could be pretty expensive.
As with your personal policies, increasing the amount of the excess you would personally pay will help to reduce your costs. Just do not put it up too high as you do not want to put yourself under more financial pressure at a time when your cab may be out of action for a while.
The age and condition of your taxi will also impact your costs, so make sure you keep it in best condition and have it serviced regularly.
Don't forget to haggle! In these difficult economic times, all businesses including those offering insurance cover need more business. If you already have a number of policies with a provider and they also offer cheap taxi insurance, ask them to give you an additional discount for being such a good customer. It doesn't hurt to ask and they can only answer no!
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