How to Compare Auto Service Business Insurance Quotes Effectively
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 days ago
- 2 min read
When auto repair shop owners begin looking for an auto service business insurance quote, they often focus on price first. But choosing the cheapest policy can create major coverage gaps, especially for high‑risk shops performing engine repair, transmission work, diagnostics, welding, or brake service.
To make the best decision, it’s important to understand how to compare insurance quotes beyond the premium. Below is a guide to help you review policies the right way so you can protect your shop, employees, and customers without overpaying.
1. Compare Coverage Types, Not Just Prices
Every quote should include essential auto repair business insurance coverages:
Two quotes with different coverage types are not equal. If one policy excludes Garage Keepers or offers low property limits, a lower premium is not actually cheaper, it’s riskier.
2. Check Policy Limits and Deductibles
Coverage limits vary widely between insurance companies. Always compare:
Liability limits ($1M/$2M standard)
Garage Keepers limits per vehicle and per location
Property limits (building, contents, tools, equipment)
A policy with low limits may leave you exposed during a major claim. A slightly higher premium with stronger protection is often the smarter investment.
3. Understand Exclusions and Restrictions
This is where many shop owners get caught off guard. Common exclusions include:
Performance modifications
Welded repairs
Test‑drive restrictions
Faulty workmanship
Outdoor storage limitations
Always verify that the policy matches the actual services you provide.
4. Evaluate the Insurance Carrier’s Reputation
Not all carriers insure auto repair shops, and not all have good claims service. Research carrier ratings through:
AM Best (financial strength)
BBB reviews
Industry reputation among other repair shops
A low‑priced policy from a weak carrier can create headaches during a claim.
5. Compare Payment Options and Discounts
Many insurers offer discounts for:
Paying annually instead of monthly
Strong safety programs
Updated property protections (sprinklers, alarms, cameras)
These savings can make a higher‑quality policy more affordable.
6. Work With an Agency That Specialises in Auto Repair Shops
Auto repair shops have unique risks that general insurance agencies often don’t understand. Wexford Insurance works with top carriers that specialise in auto service businesses nationwide. Their expertise helps you compare quotes correctly, avoid coverage gaps, and secure competitive pricing.
👉 Request your auto service business insurance quote from Wexford Insurance and compare policies with confidence knowing your shop is fully protected.
