{"id":2742,"date":"2014-07-07T14:48:43","date_gmt":"2014-07-07T21:48:43","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=2742"},"modified":"2014-07-07T14:48:43","modified_gmt":"2014-07-07T21:48:43","slug":"car-insurance-what-commuting-really-costs-you","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/car-insurance-what-commuting-really-costs-you\/","title":{"rendered":"Car Insurance: What Commuting Really Costs You"},"content":{"rendered":"<p>When you get a <a href=\"https:\/\/www.costulessdirect.com\/compare-insurance-quotes-online\/\" target=\"_blank\" rel=\"noopener\">car insurance quote<\/a>, the auto insurance agent may ask you about your commute. The answer that they are looking for is the distance that you drive to work or to school, one-way not round-trip. Insurers use surcharge pricing tiers based on how far your commute is, and no surprise, the exact distance charge is dependent on the insurance company as well. The tier system is as follows:<\/p>\n<p>Pleasure driving \u2013 If you drive 3 miles or less a day to your office or school, it is considered as pleasure driving and does not add a surcharge to your insurance premium. Your rates are not affected in pleasure driving.<\/p>\n<blockquote>\n<blockquote>\n<ul>\n<li><strong>Tier 1<\/strong> If you drive between four to nine miles to your destination, you\u2019ll likely see a few extra dollars added into your monthly California auto insurance rate.<\/li>\n<li><strong>Tier 2<\/strong> Your monthly car insurance quote would increase up to five dollars extra of additional fees for ten to fifteen miles of commuting.<\/li>\n<li><strong>Tier 3<\/strong> This third tier is for those who drive fifteen to twenty miles daily. This could add up to eight dollars of additional commuting charges to your California auto insurance premium.<\/li>\n<li><strong>Tier 4<\/strong> Lastly, if you are driving twenty miles or more, the highest surcharge you would get for commuting is an extra ten dollars a month.<\/li>\n<\/ul>\n<\/blockquote>\n<\/blockquote>\n<p>The charges don\u2019t sound all that much, but it does add up in a year and over a length of time. You could be saving over a hundred dollars annually if you\u2019re able to find a job or school that is close to home, or at least shorten the commute by moving closer. Of course, the exact fee would depend on your <a href=\"https:\/\/www.costulessdirect.com\" target=\"_blank\" rel=\"noopener\">California auto insurance<\/a> company.<\/p>\n<p>When you get a car insurance quote, the auto insurance company is looking at the distance you drive; it doesn\u2019t matter how long it takes you to drive that distance. To the company, the longer you are on the road, the more chances you have of getting into a car accident.<\/p>\n<p>If you are looking for ways to avoid the higher end of additional commuting fees, here are a few suggestions:<\/p>\n<p style=\"padding-left: 60px\">\u2022    Use public transportation<br \/>\n\u2022    Commute 3 times or less per week<br \/>\n\u2022    Carpool<br \/>\n\u2022    Find a closer living situation<\/p>\n<p>Commuting a far distance daily brings on more costs than it may be worth. It is more likely that you\u2019ll need to get towing coverage and rental car coverage on top of your basic <a href=\"https:\/\/www.costulessdirect.com\/blog\/california-auto-insurance-coverage\/\" target=\"_blank\" rel=\"noopener\">auto insurance coverage<\/a>. On the bright side, commuting surcharges may be the least expensive. Other things that may cause your premium to go higher are type of car, drivers\u2019 age, driving history including tickets and accidents, and also where you live is a factor when determining car insurance rates.<\/p>\n<p>Ask your agent what your options are for lowering your rates and what factors are increasing your auto insurance premium. Also, make sure you answer those occasional surveys they send out\u2026 your premium could go up or down depending on what you answer.<\/p>\n<p>Do you plan on commuting less?  Feel free to share your thoughts in the comment section below<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you get a car insurance quote, the auto insurance agent may ask you about your commute. The answer that they are looking for is the distance that you drive to work or to school, one-way not round-trip. Insurers use surcharge pricing tiers based on how far your commute is, and no surprise, the exact [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2739,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[695],"tags":[234,235],"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/2742"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/comments?post=2742"}],"version-history":[{"count":0,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/posts\/2742\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/media?parent=2742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/categories?post=2742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.costulessdirect.com\/blog\/wp-json\/wp\/v2\/tags?post=2742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}