How to Compare Auto Body Shop Business Insurance Quotes

Nate Jones, CPCU, ARM, CLCS, AU
6 days ago
2 min read

For auto body shop owners, insurance is critical for protecting your business, employees, and customer vehicles. But not all quotes are created equal—comparing insurance quotes effectively ensures your shop gets the right coverage at a fair price.

This guide explains how to compare auto body shop business insurance quotes, key factors to consider, and how Wexford Insurance can help you get a fast, accurate quote.

Why Comparing Insurance Quotes Matters

Choosing the lowest premium isn’t always the best option. Quotes can differ in:

Coverage limits and exclusions
Deductibles and claim handling
Optional add-on policies
Customer service and claims support

Failing to compare quotes properly may leave your shop underinsured or paying more than necessary.

Steps to Compare Auto Body Shop Insurance Quotes

Gather Accurate Business Information; Provide consistent details to all insurers, including:
- Shop size and address
- Services offered (collision repair, painting, detailing)
- Number of employees and payroll
- Vehicles and equipment
- Claims history
Review Coverage Types and Limits: Make sure each quote includes essential policies:
Check Exclusions Carefully: Identify any services, materials, or scenarios not covered to avoid gaps in protection.
Compare Deductibles and Premiums: A higher deductible may lower the premium, but increases out-of-pocket costs in a claim. Balance carefully.
Assess Carrier Reputation and Service
- Look at reviews, claim handling history, and responsiveness
- Consider insurers experienced with auto body shops
Look for Bundled Policy Discounts: Many insurers, including Wexford Insurance, offer discounts when combining multiple policies.

Tips for Making the Right Choice

Don’t base your decision solely on price—consider coverage quality.
Ask for a side-by-side comparison of quotes to make evaluation easier.
Factor in long-term costs and potential claim expenses, not just the initial premium.