Pleasure Use Car Insurance

When you want to keep your motoring expenses as low as possible, you’ll be interested in saving as much money on your car insurance as possible. You may know that insurance companies use many factors when determining rates and wonder if you can lower your costs if you only use your car for pleasure.

We’ve asked these questions for you and provided answers below.

Can you get pleasure use car insurance?

The term “pleasure insurance” is a misnomer, as there is technically no such thing within the car insurance industry. However, auto insurance companies will consider how you intend to use your vehicle when a representative asks initial questions. So your auto insurance for pleasure vs. work will vary in rates. There is a difference between ‘commute’ and ‘pleasure’ when it comes to car insurance. This helps the company determine how much of a risk you pose, so you may be able to get lower rates for using your car only for non-work purposes, but it is not technically pleasure vehicle insurance.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Medicare Rental

 Secured with SHA-256 Encryption

How do you let a company know you want pleasure car insurance during the application process?

How much insurance you need depends on where you’re located. In most states, you must carry a base level of insurance to cover liability, regardless of your purpose when you drive the car. The company will consider the type of car, your age and driving history, as well as your home address.

During an application, the company may ask you if you intend to use your vehicle to commute to work. Of course, you should always be truthful and let the underwriters know if you will regularly use your car for this purpose. This declaration may result in higher rates. If you truthfully tell them that you will not be using the car to commute to work, you may get lower rates for pleasure use car insurance.

Why are commuting rates higher than pleasure use car insurance?

Most insurance companies believe that you are at greater risk of an accident if you drive at times when the roads may be busier or do so more frequently. The company may point to its research and review claims history for drivers that live in your ZIP Code or city. 

It will use this information to set rates and may need to increase premiums accordingly.

What if you choose pleasure for your auto insurance?

If you do not intend to use your vehicle to commute or for other regular commitments (such as chauffeuring your kids to school), you can choose pleasure as your primary use when requesting a quote. 

Again, while there is technically no such thing as pleasure insurance, you should receive a lower premium than if you had told the company you are planning to commute as well.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Medicare Rental

 Secured with SHA-256 Encryption

What if you are unsure about your future driving plans for car insurance?

If you are unsure about your plans but believe you may need to use a vehicle for some commuting, you should always defer to the commuter option.

Can you get other auto insurance discounts?

You may still be able to get some discounts, even if you use your vehicle for commuting. For example, if you drive to work but do not drive very far, you may be eligible for low-mileage car insurance discounts with mileage-based auto insurance.

To move forward, the company will give you a device that you plug into your vehicle’s computer. This device will record the number of miles you cover, and it will then send the information to the insurance company. Underwriters should then be able to reduce your rates.

However, remember that these devices can also track your driving behavior, including how often you speed or hit the brakes. Some companies may increase your rates if it deems your driving style more of a risk.

What if you don’t provide accurate information to your car insurance company?

You should always be open and honest when applying for auto insurance coverage. It may be tempting, but don’t claim “pleasure use car insurance” when you know that you will be driving to work every day. 

Should you need to file a claim, the company will investigate the circumstances and quickly find out if you provided false information. This may be considered insurance fraud and could lead the company to deny your claim or potentially cancel your coverage entirely.

What You Need to Know About Pleasure Use Auto Insurance

Technically, there is no such thing as “pleasure use car insurance.” However, a company may ask whether you intend to use your vehicle to commute or for pleasure. Your response will help determine your rates, and you may pay more if you use the car to go back and forth to work. Look at low mileage discounts to see if you could save, even though you may commute.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Medicare Rental

 Secured with SHA-256 Encryption