When filling in the form for auto insurance quotes, you will notice that not only will you be asked about the age and model of your vehicle, but also the primary use to which it will be put.

Since there are some conditions under which your vehicle will be considered to be at higher risk of being involved in an accident, such situations will attract higher premiums.

If your vehicle is going to used for long daily commutes along highways or other busy routes, your premiums may rise to reflect this. If your car is going to be used by other members of your family who have a checkered driving history, or who are still teenagers, your premiums will reflect this as well.

If your vehicle is going to be used in the transportation of dangerous cargo (such as inflammatory substances), the rates you pay to the insurance company will be higher as you will be considered a higher risk.