An auto insurance company asks the primary use of a motor vehicle as part of the application since it typically is one of the rating factors for your policy. Pleasure would be a primary use that does not include driving to and from work. It also cannot be selected when you use your vehicle to drive to and from school. Those driving situations that are defined in another vehicle use, would remove it from the Pleasure use designation.
When your insurer asks you about the main or primary use of your vehicle the categories for primary use that you can choose from typically include:
To/From Work or commute: when you use your vehicle to commute to and from your work and/or school.
Business: If your vehicle is used for one or all of the following:
- used to make sales calls
- used as vehicle for business trips to bank or post office, picking up supplies, going to different locations
- owned or leased by a partnership or corporation that have a business listed as an additional interest on the car
Farm: If your vehicle is used primarily on a farm, ranch or orchard
Pleasure: No other description applies and/or the car is rarely used such as a weekend car. Typically this car is driven for fun without using it for regular commute or business.
As you can see the difference between a commuter car and one for pleasure is that basically the commuter car is one you use every day to drive to work and back or school and back while a pleasure car is only used occasionally for like during the weekend or on for fun every now and then but not driven on a regular basis.
For example if you have a VW Jetta that you use for work and/or drive your kids to school and do your errands in this would be your commuter car. If you then had a Porsche that you used for weekend drives or every now and then for a leisurely drive up the coast, to the beach, etc this would be considered a pleasure vehicle.
The exact definition of what is considered a commuter car and what is a pleasure car differs from one insurance company to another so if you are trying to determine how to classify one of your vehicles on your car insurance policy ask your insurer what their definitions of these classifications are.
Normally if you have a car with low mileage and you only a limited amount of miles on it each year it should be able to count as a pleasure vehicle which would be rated differently then a daily driver. If you have a car you believe would be considered a pleasure vehicle but your current insurer does not offer a reduced rate for this type of pleasure or seasonal vehicle you may want to shop around for better auto insurance rates here with us.
If you are ever unsure, simply ask your insurance agent. Call your personalized CarInsurance.com agent at 1-855-430-7753. You get one free with your quote or policy(TM).