However, the price will also depend on the distance you travel. Commuter cars tend to be more expensive to insure because they are driven daily, have higher mileage and have a higher risk of having an accident than a car that you drive, perhaps, once a month. Drive a less expensive vehicle with security features installed, get closer to work, and use Insurify to compare auto insurance quotes from major auto insurance companies, such as Allstate, GEICO, Progressive and Liberty Mutual. Insurers that offer usage-based insurance use a process called telematics, which measures how you drive and how much you drive to help determine your car insurance rates for your main vehicle.
In that case, you might want to consider classic car insurance, which involves obtaining a policy from a specialized insurer known as an agreed-upon value policy. Insurance companies need to know if your car is being used for recreational purposes or for traveling to work to determine your risk when driving. An auto insurance company has the right to deny a claim if the car was used for something that wasn't declared at the time of the evaluation. Insurance companies need to know your true intentions when driving a car to understand the risks your car may face on the road.
If you plan to drive your classic car to work or somewhere else on a daily basis, request a standard car insurance quote instead. Whether you're going to work or using your vehicle for recreational use, you can lower your car insurance premium by making sure you get all the car insurance discounts you're eligible for. If you drive less than that amount, it's considered pleasure; if you drive the car more than that amount, you'll be charged a higher premium. When you take out car insurance, they'll ask you what your car's primary use is, and it's important that you're honest when you answer.
Technically, there's no difference between pleasure car insurance and car insurance for trips to work; you'll need a basic auto insurance policy regardless of the purpose for which you primarily use your car. If you drive beyond the mileage limit set for recreational car insurance, expect your policy to change to car insurance for daily trips. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. Since then, she has worked as a news writer in the insurance industry and has gained in-depth knowledge of state and national insurance laws and rates.