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If you own a car but use public transportation to commute to/from your job, you definitely need to keep reading.

Someone who drives to work every day is exposed to more risk than someone who takes public trans to work.  Why?  They are driving more often, and also during high-traffic times.  Statistically, someone who uses public trans drives much less throughout the year, therefore having a lower risk of auto accidents.

Simply put – pleasure use is usually cheaper than commute use.  Someone who only uses their car for pleasure use (read: doesn’t drive to work every day) might be able to save money on their car insurance.  Good news right?

When was the last time your agent asked you about this?