Car Insurance 101: Are You a Commuter or Just Drive for Pleasure?
When you're looking for car insurance, you will probably be asked a wide range of questions regarding your automobile, driving history and your lifestyle. Answering these myriad questions correctly helps insurers to determine which types of insurance they need and how much their premiums should be. But be very careful--because not all of these questions are 100% transparent and surely not straightforward.
For example, one question that often puzzles motorists is whether or not you use your vehicle for "commuting" or for "personal pleasure." This particular question is designed to ascertain the most common way you will use your car, including how often and why. The reason for this question is that the insurance company wants to know the overall circumstances in which you're most likely to be found while you are using your vehicle.
So, here is the main question you will encounter, brought to you from all of us here at Service King Babcock in San Antonio, TX. By knowing the ins and outs of applying for car insurance will help you as you navigate through this process.in
Do You Commute?
If you drive to work daily, then that makes you a commuter, whether you like it or not. However, if you take public transport (the bus, train or taxi) or use another vehicle, then your regular vehicle is driven simply for "pleasure" – correct?
Generally, an auto is only listed as a "pleasure" car only if it's not the primary vehicle. For example, if you don’t use the car for commuting as such, but if you drive it for all your other daily tasks, then this can’t be considered "pleasure." In this instance, commuting could also pertain to going to get groceries and meeting friends.
Keep in mind that if a vehicle is used regularly, but not driven for commuting, then you probably still won’t be out on the road during the most dangerous hours, aka peak times.
Commuting varies greatly, depending on the individual. One may commute on the highway and travel hundreds or even thousands of miles to get to work; another may just drive 1-2 miles. If you're not certain about whether you use your car for pleasure or commuting, talk to your insurance agent and get their advice because that's why you hired them.
Of all the questions you will be asked, this one should be right at the top of your list because it can impact the costs of your insurance as a result. Be smart and button up all the details before you sign on the dotted line and you will get that peace of mind we all desire.
Service King Babcock in San Antonio, TX 78240
Sources: Insurance Journal and US News
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