How you use your car most is a car's primary use. Auto insurance companies usually categorize primary use as:
- Driven to and from work
- Driven to and from school
- Pleasure
- Business
- Farm
When getting an auto insurance quote or buying a policy, primary use helps categorize car usage and drivers’ needs. Insurance companies use it as a factor in the rate.
Here is some help with each type, but these definitions can be defined differently by each company guideline:
Select Pleasure Use if the vehicle is most often used for non-commuting activity, and if the vehicle is not used in the course of any business activity.
Select To and From Work or School if the vehicle is regularly used for commuting to a workplace or school and the one-way commute distance is 4 or more miles.
Select Business Use if the vehicle is regularly used for occupational responsibilities, such as traveling between locations for sales calls or other business appointments.
Select Farm Use if the vehicle is only used in farming or ranching activities.
"Pleasure" means you typically drive your vehicle for fun with no regular commuting or business use.