How does vehicle use affect car insurance?
How you use your car and your reasons for driving it have a substantial effect both on the type of car insurance you need and on the cost of any potential car insurance policy. There are multiple types of vehicle use classifications that are taken into account when it comes to car insurance. These are used by insurers for determining premiums and, in extreme cases, for determining whether a person is even eligible for coverage. Vehicle use is classified by assessing the employment of the person driving the vehicle and the type of vehicle. For example, a commercial vehicle such as a dump truck will automatically be listed as a commercial use vehicle and, as such, cannot be listed for personal use. Most commonly, the differentiation that must be made is between commute vehicles—the car you drive to work or school, and pleasure vehicles—the car you drive only for personal, non-career purposes. In this case, commute vehicles are used much more frequently and are expected to be driven every
