Car insurance is more affordable when used for recreational purposes than for work-related activities. Whether you use your car for making deliveries, commuting to work, or running errands, the cost of your insurance premiums will vary. Generally, recreational activities require less driving than work-related activities, so insurance companies charge lower rates to cover the decreased risk of being on the road. If you use your vehicle for business purposes other than just commuting, you'll need to get commercial or business auto insurance coverage.
This type of policy offers higher limits of liability than what personal auto insurance policies normally provide. Additionally, if your company requires a higher limit of liability than what personal auto insurance policies normally offer, you'll also need commercial insurance coverage.
