Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
More commonly pleasure will get the lower rate but different insurance companies see this different ways according to the actuaries so with some pleasure is higher. There are other factors to take into consideration and that is how many people in the household. How many cars are there which also are rating factors.
Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
Depending on your carrier and your state laws but I have found that with some carriers the rate has no change. However as far as claims go With some carriers if you list it as commute only and then you are taking it for a pleasure drive and have an accident I have seen the carrier try to dispute the claim because it was listed as commute which means that was the only type of use the auto was being used and then you used it for pleasure and they didn't want to play the claim because it was rated incorrectly.
I would talk to you agent or carrier and ask them how they define commute.
Most cases it isn't an issue but I wouldn't want to take the risk and have it rated commute when you using pleasure and have an issue when a claim arose
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I would talk to you agent or carrier and ask them how they define commute.
Most cases it isn't an issue but I wouldn't want to take the risk and have it rated commute when you using pleasure and have an issue when a claim arose