When you're buying car insurance, your agent will ask how many miles you typically drive during your daily commute. They want to differentiate between your trips to work and the amount you drive for pleasure. BestRate Auto Insurance, a trusted agency with offices in Statesboro and Vidalia, GA, explains why they do this and how these amounts affect your rates.

Commuting

The purpose of most questions asked by insurance companies is to help them determine how likely or unlikely it is you'll be in an accident. The more overall miles you travel on the road, the more likely it is you'll eventually file a claim for damages with them.

However, not all driving miles are the same. The average commute to work takes place during hours when traffic volume is increased, arrival times are fixed, and anxiety is often at a peak. These factors make the daily commute more hazardous than pleasure driving. Therefore, the more miles you drive to work as opposed to driving for pleasure, the more you will pay for car insurance.

Driving for Pleasure

It may seem any miles not spent going to work should be considered pleasure driving. However, this is not always the case. For instance, if you are a stay-at-home parent, your "commute" might be the miles you accumulate taking the kids to school and shopping for groceries.

Pleasure driving, in the eyes of a car insurance company, consists of traveling, visiting friends or family, and perhaps even going to work at off-peak hours. The precise definition of pleasure driving may vary by insurer, so discuss any unique situation you have with your agent. However, in general, the less you drive your car for work, the less your premiums will be, although the differential may only be modest.

If you believe you're paying too much for car insurance, contact the team at BestRate Auto Insurance, with locations in Statesboro and Vidalia, GA. They speak Spanish and can help even if you've had trouble acquiring insurance in the past. To get in touch, visit their website. Otherwise, call (912) 489-5942 to request a car insurance quote from a friendly, experienced agent.