Car insurance commute vs pleasure – This is the time when the roads are busy and anxiety is at its peak. As you can see the difference between a commuter car and one for pleasure is that basically the commuter car is one you use every day to drive to work and back or school and back while a pleasure car is only used occasionally for like during the weekend or on for fun every now and then but not driven on a regular basis.
Lastly an effortless way insurance companies can tell if a vehicle should be listed as pleasure over commute is miles driven.
Car insurance commute vs pleasure – The reason being that pleasure entails the least amount of miles driven i e. You will pay for a commuter insurance policy if you use your vehicle to drive to and from work or school on a near daily basis. The average work commute takes place at peak times rush hour. Car insurance commute vs pleasure
These factors make the daily commute more hazardous than pleasure driving. Auto insurance rates for pleasure or work don t have to be too expensive ask your provider about low mileage discounts to save another 15. Pleasure use car insurance comes into play in several instances. Car insurance commute vs pleasure
Dropping someone else off at their place of work may also be classed as commuting by your insurer. If you a do not commute and b do not use the vehicle for business then you definitely should choose pleasure only as your use category. The typical american driver carries a commuter car insurance policy. Car insurance commute vs pleasure
It s just a guesstimate. The vast majority of drivers across the nation have commuter insurance. Most insurance companies consider a vehicle that is not the primary car and is driven less than 2000 miles per year a pleasure vehicle but the exact determination differs from one insurance company to the next. Car insurance commute vs pleasure
Pleasure will normally be cheapest. Typically this car is driven for fun without using it for regular commute or business. For your annual mileage keep track for a week or 2 multiply by 52 or 26 and round to the nearest 100. Car insurance commute vs pleasure
Even if you use your car for pleasure other times if you commute at all you have to have a commuter insurance policy. A pleasure use car is a weekends only vehicle or one driven only occasionally. This means the vehicle is their primary method of transportation and is used to get to and from work or school. Car insurance commute vs pleasure
Travelling to a railway station en route to work where the car is parked is usually classed as commuting. In turn this may result in a higher insurance premium. Another type of insurance that is becoming more popular is pay by the mile coverage. Car insurance commute vs pleasure
This provides cover as above for social domestic and pleasure use as well as for driving back and forth to a permanent place of work. Most companies offer a low mileage discount for pleasure use vehicles. Drivers with longer commutes pay 7 09 per month more on average than those who drive less. Car insurance commute vs pleasure
Weekend use under generally less accident prone circumstances short trips open roads etc. The rule of thumb is if the auto is driven 7 500 miles or less per year this vehicle should be classified as a pleasure usage vehicle. If a driver has a classic auto or sports car for recreational purposes or if a driver takes public transit or a bike to work and relies on their car for occasional. Car insurance commute vs pleasure
Getting a car insurance policy for pleasure only means that you do not use your car at all for commuting to or from work or school. Pleasure usage includes the uses you have described. 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 commute vs pleasure