Personal auto insurance

Commercial insurance vs personal insurance
Not sure whether you need a personal or commercial auto insurance policy? Here are some things to consider when deciding what kind of insurance policy you need.

Who Owns and Drives the Vehicle — If your vehicle is owned by a business, most likely, you’ll need a commercial auto insurance policy. If you’re a sole proprietor, you might only need a personal auto insurance policy. The type of policy you need also depends on how often the vehicle is used and what it’s used for.
How the Vehicle is Used — If you use your vehicle for business purposes, you’ll probably need a commercial auto insurance policy. If you’re a sole proprietor who only travels to 1 or 2 job sites a day, or just use your vehicle for commuting, you might only need a personal auto insurance policy.
The Type and Weight of the Vehicle — If the vehicle you drive is heavier than a normal size pickup or SUV, like a dump truck, tow truck, or semi truck and commercial trailer, you might require a commercial auto insurance policy. Heavy duty vehicles can cause more damage if they’re involved in an accident and sometimes require special insurance coverages.
Required Business Liability Limits — If your business vehicle requires higher liability limits, you will probably need a commercial auto insurance policy. Commercial auto insurance policies typically offer higher limits than personal auto insurance policies.
How to determine if you need commercial auto insurance
Personal auto insurance policies can provide enough auto insurance coverage for some businesses, especially if you’re also driving your vehicle for personal use. However, if you require specific commercial auto insurance coverages, high Liability insurance limits, operate an unusual vehicle, haul special equipment, transport goods or people, or have other special needs, then you’ll need commercial auto insurance.
Choosing a Personal Auto insurance policy these days can feel like a balancing act. Should you choose a low-cost policy with reduced coverage or a high-priced policy with broader coverage? How about one of those policies where you pay extra in order to be «forgiven» for a single auto accident, only to have your rates raised the next time it happens?

At Western National, we believe there’s a better way. We offer excellent Personal Auto coverage at a fair price, and our Penalty-Free Promise® says you will never pay a higher rate as the result of accidents or violations — a benefit that some competitors now attempt to copy, though we’ve been offering it for over 50 years! With a variety of discounts to make your premium even more affordable, and our experienced claim staff ready to provide outstanding service, our Personal Auto Insurance program provides the high level of protection you want and deserve.

Your Independent Insurance Agent can help you determine the appropriate Personal Auto coverages, discounts, and price for you. To find an agent, click here.

Western National offers a Personal Auto product that includes many unique benefits at no additional charge, such as:

Penalty-Free Promise®

Common Loss Deductible


Pet Insurance

Temporary Transportation Expense

Car Seat Replacement

Collision with Another Western National Customer

Anti-theft devices in vehicles

Company car

Customer loyalty

Defensive driving

Good student

More than one policy

More than one vehicle insured

Young drivers / families

Personal Auto insurance coverages vary by the limits and requirements of individual states. Western National offers the following coverages subject to those limits and requirements:

Bodily Injury Liability

Property Damage Liability

Personal Injury Protection (No Fault)

Medical Payments

Uninsured and Underinsured Motorists

Collision Coverage

Comprehensive (Other Than Collision) Coverage

Audio, Visual, and Data Electronic Equipment

Auto Loan/Lease Coverage

Full Glass Coverage

New Vehicle Replacement Cost Coverage

Rental Reimbursement (transportation expenses)

Roadside Assistance

Towing & Labor

Trip Interruption

Getting a Quote
At Western National, we believe in the benefit that Independent Insurance Agents provide to their customers. That’s why our products are sold exclusively through Independent Insurance Agents.

Benefits of choosing an Independent Insurance Agent:

An Independent Insurance Agent represents many companies and provides you with choices for coverage and pricing.

An Independent Insurance Agent represents your interests because they are not employees of any one insurance company.

An Independent Insurance Agent is a real person you can trust to help you out when you have a question or a claim situation.