Quote online. Comparison-shopping can be easier if you quote online. But once you have the quotes, it's in your best interest to purchase in person with a local agent rather than online. So if you do get into an accident, you will deal with someone face to face.

Find a small business auto insurance broker. There are agents that specialize in small business auto insurance - just look in the yellow pages. Since it's their specialty, they'll know the ins and outs of your small business's particular needs.

Be honest. When it comes time to discuss what packaged policy will be best for you, don't downplay how often you use your car for work. In the event of an accident, if your insurance agent investigates and finds out you weren't truthful about your use, your claim could be completely denied. So be sure to get the right amount of coverage.