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FAQ: Getting a Quote
What does "primary use" mean on Esurance's online auto insurance quotes?
Do you spend more time in your car than you do at home? Or is your car just a means of carrying groceries or taking weekend trips? How you most often use your car is your car's primary use. This is a common question when you get online auto insurance quotes. Generally, auto insurance companies categorize primary use as commuting, pleasure, or business/commercial use when determining online auto insurance quotes.
When getting online auto insurance quotes from Esurance, primary use helps categorize car usage and drivers' needs.
- "Commuting" means you mainly use your vehicle to drive to and from school or work.
- "Pleasure" means you typically drive your vehicle for fun with no regular commuting or business use.
- "Business/commercial" means you mainly use your vehicle for business purposes, such as, sales, service and delivery calls, or other work-related driving.
If you drive to work once a week, it does not make you a commuter. Likewise, if you commute everyday and use your car for pleasure, you should consider your primary use to be commuting.
Generally, people who drive more pay higher auto insurance rates. This is because the more time you spend in your car, the greater your risk of getting into an accident, and consequently filing an insurance claim.
Please note that we don't currently provide auto insurance coverage for vehicles that are mainly used for business/commercial use. If you're not sure whether your auto qualifies for business or commercial use, answer “yes” to this question when you get your online auto insurance quote so that you can use the business/commercial use checklist.
Including your car's primary use helps Esurance offer online auto insurance quotes that are specific to you and your needs. Visit Esurance today to get one, or several, online auto insurance quotes and see how much you can save!
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