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ABC's of Insurance > How Your Rates are Determined

How you use your vehicle

How you use your vehicle affects your likelihood of having a claim. Therefore, it also affects your premium.

For instance, if you only drive to the grocery store and back, you’re less likely to have a claim than if you drive your car regularly as a courier. Having the right insurance for how you use your vehicle is very important. With the wrong insurance, you may not be covered.

Here are some basic types of vehicle uses:

• Pleasure Passenger Vehicle
• All Purpose Passenger Vehicle
• Common Carrier Passenger Vehicle (local)
• Farm Passenger Vehicle
• Farming All Purpose Truck
• Fishing All Purpose Truck
• Pleasure Truck
• All Purpose Truck
• Motorhomes

	ABCs of Insurance	Insuring a vehicle	Plan a Trip
	Basic Autopac	New to or Leaving MB	Fleet Program
	Optional Autopac	Buying or Selling	FAQ