Insurance Rates Pleasure Vs Commute
Often the difference in savings between commuter insurance and pleasure insurance seems insignificant on the surface.
Insurance rates pleasure vs commute. Just like with cars used for pleasure daily activity and total mileage determine whether a car is used for commute. Pleasure vehicles are more likely to receive a low mileage discount. Call us toll free. Yet with some car insurance companies it makes a substantial difference.
Commuting 30 miles each way to work on a daily basis will put a lot of wear and tear on your car much faster than the occasional grocery shopping trip or beach day. Insurance companies are well within their right to deny a claim for an accident involving someone who was conducting commercial business under a personal auto policy. Another type of insurance that is becoming more popular is pay by the mile coverage. However as far as claims go with some carriers if you list it as commute only and then you are taking it for a pleasure drive and have an accident i have seen the carrier try to dispute the claim because it was listed as commute which means that was the only type of use the auto was.
On average a commuter car insurance policy costs between 1 432 and 1 445 annually. In car insurance lingo commute refers to driving to and from work or school regularly. From the insurance company s perspective pleasure driving is less likely statistically to result in an accident therefore it will often have the lowest rate. Let s assess some popular car insurance companies offering commuter policies.
The peace of mind is worth it. Conversely a commute to work or school can entail repeated daily driving in heavy traffic and business use is often a substantial amount of driving in potentially heavy traffic as well. Car insurance companies do offer a different premium rate if you drive your car for pleasure versus commuting daily to work. There s a simple way to determine whether a vehicle is used for commuting or not.
This difference is fairly insignificant until you assess specific car insurance providers. Depending on your carrier and your state laws but i have found that with some carriers the rate has no change. The use of your vehicle is a rating factor that can raise or lower your rates. Pleasure use car insurance is slightly less expensive than commuter coverage at an average of 1 427 per year for auto insurance versus a commuter vehicle s 1 438.
If you talk to an insurance agent they will be able to help you determine the best way to use your vehicle and get the lowest rates. If you re not sure make sure.
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