There is a big difference between general car insurers who insure the vehicles of everyone, from housewives to retirees to teenagers, and business vehicle insurers. The latter deal solely with owners of companies, to ensure they have adequate car cover for all eventualities.
The actuaries who work out the risk and cost aspects of insurance are fully aware that insuring business vehicles is low risk compared to wide based consumer insurance. That is why you will get much better rates at a specialist business fleet insurer such as Kanetix car insurance.
If you are wondering what qualifies as a fleet, then rest assured that you do not have to own a fleet of gigantic road haulers for your business vehicles to qualify as a fleet. Business car insurance firms cater for small and medium size enterprises as well as giant firms whose main operations involve transport.
Because your fleet cars will be maintained and replaced on a regular basis, and will be driven by employees who have a vested interest in driving carefully, these factors drive down the cost of specialised commercial insurance even more.
Get hold of a specialist business car insurer and insist on meeting an agent face to face. Explain your requirements in as much detail as possible and ask for a quotation. You should shop around for the best price. There is even competition among affordable business insurers.