How to Define Your Driving When Applying for Car Insurance
When you are looking for auto insurance, you will be asked a number of questions regarding your vehicle, driving history, and lifestyle. Answering these questions correctly helps insurers to determine what type of insurance you need and how much your premium should be. However, now all of these questions are very straightforward.
For example, one question that often stumps motorists is whether you use your car for ‘commuting’ or for ‘pleasure’. This question is designed to ascertain the most common way you use your car and why you tend to find yourself driving it. The reason for this is that the insurance company needs to know the circumstances in which you are most likely to be found using your vehicle.
If you drive to work every day, then you commute in that car. However, if you get public transport or use another vehicle, then the car is considered for ‘pleasure’ – right? Generally, a car is only listed as a ‘pleasure’ vehicle if it is not the primary vehicle. For example, if you don’t use it for commuting as such, but if you use it for all your other daily tasks, then this wouldn’t be considered ‘pleasure’. In this instance, commuting could also mean going to get groceries or going to meet friends.
Keep in mind that if a car is used regularly not it is not used for commuting, then you probably still won’t be on the road during the most dangerous hours: peak times.
Commuting varies greatly, depending on the person. One may commute on the highway and travel hundreds of miles to work, another may just drive down the road. If you are unsure whether you use your vehicle for pleasure or commuting, talk to your insurance agent who can advise.
For the auto insurance you need, talk to the team at Kneller Agency. Serving Hudson, Valatie, Millerton, Red Hook, Millbrook, and neighboring cities, we can help you find reliable car coverage.
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