At the bottom of this page you will find some of the different vehicle use scenarios that Progressive.com lists.
If you are wondering which is cheapest between Business, Commute, and Pleasure vehicle use… Pleasure will normally be cheapest. The reason being that pleasure entails the least amount of miles driven (i.e. weekend use) under generally less accident prone circumstances (short trips, open roads, etc.). Conversely, a commute to work or school can entail repeated daily driving in heavy traffic and business use is often a substantial amount of driving in potentially heavy traffic as well.
From the insurance company’s perspective, pleasure driving is less likely (statistically) to result in an accident, therefore it will often have the lowest rate.
Regardless, it is imperative to choose the type of driving activity that most accurately fits your actual use of your vehicle. I hope this info helps!
Vehicle use:
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For Automobiles and Trailers:
Commute
Business
Pleasure
Farm
Artisan |
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Commute
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| Vehicle is used to drive back and forth to work or school or to a drop off site. Vehicle is not used in business or occupation. |
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Business
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Includes vehicles:
- used by sales or service representatives OR for consumer oriented direct home sales;
- used in business trips, trips to bank or post office, picking up supplies;
- used by real estate or insurance agents, lawyers, doctors, accountants or other professionals visiting multiple locations;
- owned or leased by a partnership or corporation.
Note: Business is not a valid primary use for a Trailer. |
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Pleasure
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This option is not applicable for all states or in all products.
Vehicle is used only on weekends or to and from the store. Vehicle is not used for commercial, business purposes, or commuting to work or school. |
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Farm
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| Vehicle is used primarily on a farm, ranch or orchard. |
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Artisan (Tradesman)
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This option is not applicable for all states or in all products.
A single vehicle operated by you in a trade or business where the vehicle is:
- owned or leased by an individual;
- operated solely by the named insured or other resident relatives;
- used to transport tools or other materials where such transport is incidental to your trade or business;
- at no more than two (2) job sites per day;
- not used to transport explosives or flammable materials and does not carry equipment weighing more than 500 pounds.
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| Note: |
Your coverage limits, deductibles, and certain exclusions may apply. Please read your policy for details. If there is any conflict between this definition and the provisions of your policy, the terms of the policy control. |
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