There is no way any of us can foresee when an auto liability claim may occur, and equally important, what the final cost may be.
Higher limits of coverage are available by purchasing an Umbrella policy.
A fleet discount is normally available for companies that have 5 or more vehicles. Those companies with “safe drivers” are also able to obtain additional discounts.
Choose a deductible you are comfortable paying should your vehicle sustains damage due to a collision or comprehensive loss. The more vehicles you have, the more cost-effective it becomes to take higher deductibles. You can even include a property damage deductible to lower your costs even further.