One of the factors car insurance companies take into consideration when establishing premium rates is the kind of vehicle you drive. Some are riskier to insure than others, and hence costlier to cover. So what are the types of vehicle classifications? They are usually broken down according to their type of use. What mileage your car gets in terms of where you go with it is actually used as a standard for the rates you pay for your car insurance. Different Classifications of Vehicle Use:

Commercial Use

This type usually has the most expensive car insurance policies. It refers to heavy vehicles used exclusively for work and commercial matters like the heavy construction vehicles and trucks. Dump trucks also fall into this category.

Artesian Use

To say that a vehicle is classified as artesian according to its purpose means that its owner or driver has work that requires them particularly to use their vehicles not only for transportation but also as a tool for their trade. Hence, plumbers and electricians use their vehicle to make house visits, and also use it to stow away their equipment and in some instances, to make deliveries.

Business Use

Not to be confused with the artesian classification, this type of vehicle use refers to those who make use of their vehicle in relation to their profession, but mostly for transportation. A simple example is people who use company cars to get to and from work and other work-related destinations. They do not, however, use their vehicles for storing work-related tools or equipment.

Use for Commuting

Quite possibly the most common type of vehicle insured that is universally insured are the commuter vehicles. Buses, cabs, cars and other public transport vehicles fall into a category of their own. Even though they could be thought of as used for getting to and from work, their primary purpose is the transport of the commuting public. This and the fact that any incident involving commuter vehicles would almost always involve public passengers, makes this a particularly important classification.

Personal Use or for Pleasure

This classification often has a low car insurance premium rate. It refers to cars or vehicles that are used neither for getting to work or school, transporting the public, or in pursuit of a profession or business. They are usually the extra cars that people use for purely personal reasons like going shopping, buying groceries, or running errands. Those vehicles that are used to go on vacations are obviously used for pleasure and hence also fall into this classification.