DonS, I would be more concerned about coverages by not having a personal auto policy. If anyone has a commercial and not a personal auto policy also, be careful. Your commercial auto policy does not provide as broad coverage as a personal poicy will. My understanding is that you have no coverage if you rent a car and you have no liability protection while driving some elses vehicle. Sure, some of you are talikng about saving money but you are getting less. You need to read the contract or have your agent show you in the commercial auto policy where your coverage is for these things.