Classes Of Use In Auto Insurance

​When purchasing a car, it’s important to consider how you will use it. This can help ensure you get the best-suited car insurance policy for your everyday driving. Having the correct policy can ensure that you will be protected when driving.

This article will discuss the different car insurance classes of use to help you decide which may give you protection at the best value.

Why Are Classes of Use Important?
Classes of use help establish how your car is being used daily and how high the level of risk your usage has. Choosing the right class is necessary to ensure that your policy has you properly covered.

There are three categories for the car insurance classes of use. These categories will be explained to help you assess which one you fall under.

Social, Domestic, and Pleasure Insurance (SDP)
SDP insurance is mainly for social use, where everything non-work related falls under this category. Generally, trips such as meeting up with friends, shopping, and trips are all included.

Social, Domestic, Pleasure, and Commuting Insurance (SDP+C)
Same as the previous class, SDP+C covers all social trips. But if you routinely go to your office as well, this would be the better choice as this also covers trips going to an office. This is only limited to one workplace.

Personal Business Use Insurance (SDPC+B)
Covering everything the previous two classes do, SDPC+B also covers everything related to business. This class is divided into three types:

1. Class 1 Business Use - This allows you to drive to multiple places of work compared to a single one in SDP+C. 
2. Class 2 Business Use - This is the same as class 1 but allows you to have a named driver that drives the vehicle for the same business.
3. Class 3 Business Use - If most of your time on the job is on the road, it might be worthwhile considering this class as this can cover unlimited miles for your car. This policy can also cover light goods transportation, such as samples for sales reps.

Conclusion
Having the proper class of use for your car can help make sure that you are always covered when driving. Whether going to the grocery or heading out to the office, a proper car insurance policy may protect you against financial loss in case of an accident.

At Appletree Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more about our products and services by calling our agency at (603) 881-9900. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!