How Your Primary Use And Mileage Affect Your Car Insurance Policy

You can expect an auto insurance agent to ask you a lot of questions before providing you with a quote. The reason is so the agent can gather all the information needed to determine your risk level. Two of the questions you can expect are about your mileage and the primary use of the vehicle. These questions go hand in hand and are vital for your quote. 

Questions Related to the Primary Use of the Car

Are you wondering why an agent would want to know how you plan on using your car? The answer is simple. Finding out how you use your car helps the agent determine your risk level. People use their cars in different ways. For example, some people may have a vehicle they use to commute to work and back every day, while others may commute to school. Some people have vehicles they drive for pleasure purposes only, and others have cars they rarely drive.

You will likely drive a commuter vehicle a lot more miles each month than you drive a pleasure car. You may fall in a different category of auto insurance if you have a vehicle you only take out two or three times a year.

Insurance depends on the risk levels of a driver, and this is the reason an agent will ask you questions about the primary use of the car you want to insure.

The Miles You Typically Drive in a Year or Month

The agent will also ask you how many miles you drive a year or month. If your commute to work is 80 miles a day, your risk level is different than a person who commutes only 10 miles a day. If you're on the road more for your daily commute, there is a higher chance of getting in an accident.

If you happen to fall into a category that the insurance company considers "low-mileage," you might get a discount. Driving less results in a discount because you have a lower risk of getting in an accident when you are on the roads less.

Insurance agents need a lot of information like this to add up quotes for people. If you need coverage and want to get a quote, you can call an agent or visit one online. Requesting a quote does not obligate you to purchase insurance from a company, but it does provide you with the costs from an insurance company.