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Use of vehicle, how far you drive to work, and annual mileage

Published on: May 23, 2020 | Last Updated on: January 29, 2024
Michael Agruss

Written and Reviewed by Michael Agruss

  • Managing Partner and Personal Injury Lawyer at 844SeeMike Personal Injury Lawyers.
  • Over 20 years of experience in Personal Injury.
  • Graduated from the University of Illinois Chicago School of Law: Juris Doctor (2004).
Vehicle usage plays a big part in determining your auto coverage. Because used cars are more likely to need repair and maintenance, you may expect higher premiums.

Generally, those who frequently use their car for work and travel, especially long distances, will rack up a higher auto premium. The wear and tear with frequent usage equate to higher possibilities for repairs and replacement. If you are a salesman or travel agent, you may need to list your vehicle for business use under your policy so you can be rated more accurately.

Other factors that may affect your premium include your personal information and driving record and the type of vehicle you own. Read more about your auto insurance to know your requirements and other options.

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