Insurance is Priced by How You Use Your Vehicle

Most drivers primarily use their car to drive to and from work, run errands, and do other personal tasks. Driving for pleasure usually means you have multiple cars and one is more for weekend cruising. Meanwhile, farm-use vehicles require a limited, special license. People who drive for business purposes — such as real estate agents or traveling salespeople — need a policy that covers them when using their car for work. Business-use vehicles cost the most in average annual auto insurance premiums. Business-use vehicles are significantly more expensive to insure than all other primary vehicle uses.