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Use of vehicle

Last updated: June 17, 2016

By , Insure.com

Use of vehicle

Insurers also want to know why you’re driving your car. A vehicle used to commute to school or work poses more of a risk than the car you only take out of the garage once a week. Personal use of a vehicle costs less than business use, since those using their car for business purposes have a higher chance of being in an accident due to increase driving time.

If you use your car at all for business, check to see if it’s still covered under your personal auto policy. You may need a business-use or commercial policy instead and be voiding your personal policy by using your car for business. If you use your vehicle for ridesharing, get a policy covers that specifically. Business and ridesharing policies cost more than personal policies, but that is because the risk the insurer is taking on is more.

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