California Commercial Auto Insurance
If you own a California business that requires the use of vehicles, whether it’s a single company car, an entire fleet of trucks or anything in between, you need California commercial auto insurance. But you don’t just want any commercial auto insurance. You want the right protection for the right price that fits the specific needs of your operation… commercial auto insurance.
Well, you’re in luck!
GDI Insurance Agency, Inc. provides exactly the expertise you need. We have the right business auto insurance plan for your commercial automobiles. PLUS we can deliver the strategies, tools and resources that will help you manage your transportation and fleet industry risks, control workers’ compensation claim costs, advance safety and boost employee morale.

Frequency, Severity and Your California Commercial Auto Insurance Premiums
Business Auto Insurance rates are based on several factors, frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles.
This means that while your company’s inherent level of risk is a factor that affects the premium you will pay for auto insurance, that amount is also affected by factors that are not directly controlled by the company.
Frequency vs. Severity
Both accident frequency and severity affect the portion of your premium that covers losses.
Frequency refers to how many crashes occur and how often they occur. Logically, the higher the premium, the more insurers pay in claims. Severity, instead, is reflected in the amount paid per claim.
The make and model of your vehicles can also affect your level of risk, and therefore your premiums.
Our Commercial Auto Insurance Tools Will Put You in the Driver’s Seat!
Our agency can help you build solid loss control and safety programs to help you stay on top of your biggest risk management and compliance challenges, such as:
Workplace Safety Programs
Our employee safety resources can provide your place of business with useful injury prevention information.
Compliance and Recordkeeping
You are responsible for complying with regulations from OSHA, DOT and more. Let us show you how to do so correctly.
Managing Risks
We have the risk management expertise to help you plan and control resources and activities in order to cost-effectively fulfill your objectives.
Building a Safety Culture
Our employee safety materials help you promote a safety-minded workplace. We have flyers, posters, payroll stuffers.
DOT/FMCSA Compliance
We have reference materials, forms and checklists that will help you remain in compliance with DOT/FMCSA regulations.
Risk Management Techniques for Commercial Auto Insurance
One of the best things you can do to control your California commercial automobile insurance premiums is to implement risk management techniques for controlling the frequency of accidents. Improving your drivers’ performance can make a big difference: A study by the U.S. Department of Transportation revealed that 90 percent of all collisions were due to driver action, attitude, and behavior. Making your drivers safer and purchasing dependable vehicles can affect both the frequency and severity of accidents, ultimately lowering your premiums. Some steps to take include the following:
- Select good drivers. Conduct background checks and request regular motor vehicle driving records.
- Provide driver safety training on a regular basis, both at hire and as a refresh, ensuring that both new and seasoned employees are properly prepared.
- Train employees on reporting a loss immediately after a crash.
- Monitor drivers to ensure their best performance.
While your company’s level of risk is a factor that affects the premium you pay for automobile insurance, that amount is also affected by factors that you cannot directly control.
Start Saving on Your Commercial Auto Insurance Today!
GDI Insurance Agency, Inc. can save you 47% or more on a variety of commercial vehicles such as:
- Tractors
- Garbage Trucks
- Cement Trucks
- Pickup Trucks
- Private Passenger Autos
- Service Fleets
- And More!

Get Your Business Insurance Quote Today!
We are a multi-faceted Business Insurance Agency that handles a wide variety of policies of almost any scale for many different professions and establishments. Our team has the experience and knowledge to help you, your organization or business be secure and protected.
We have many commercial insurance policies to choose from:
If You Think This Sounds Too Good To Be True, Here Is What Just A Few Of Our Clients Have To Say about their Commercial Auto Insurance:
"Saved us another 31% on our auto fleet...
I’ve been with GDI for over 25 years now. Every year they try to lower the cost of our insurance. This year they did it again!”
Brad Falke, Saunders Heating and Air
.
"Saved $24,000 a Year! That's 67%!
GDI worked diligently to reduce the cost of our commercial auto fleet from $36,000 a year to just under $12,000.”
Larry Anderson, Spencer’s Driving School
GDI Insurance Agency, Inc. Your Trusted Business Insurance Experts

At GDI Insurance Agency, Inc. we will do the work for you to ensure you have the best protection plan for your California business automobiles. Not only that, but as you can see, we will go the extra mile to make sure your business is protected from the inside-out.
Located in Turlock, CA we have offices throughout California’s Central Valley, Northern California and beyond.
To put the GDI Insurance Agency, Inc. experts to work for you, simply fill out the Protection Savings Form above or call our office today at 1-888-991-2929 to learn more about GDI’s Exclusive California Commercial Auto Insurance Fleet Program!