A contractor, on the other hand, might travel great distances to work on a job and perhaps even stay in a hotel in an unfamiliar town and in a city with a greater population with unknown traffic patterns. His or her schedule might not be fixed, so traffic flow may change during the day. The car insurance company might charge a little more depending on the class of contractor and the likelihood of distant travel.

Check with your agent to see if your occupation might affect the price of your insurance, up or down.

If you are in business for yourself and drive your car for that enterprise, the cost could be higher as the company would surcharge the policy for being on the road, going to more destinations than most other drivers. You might have to buy a commercial policy if the business is the registered owner of your car and has logos and lettering on the side.

Now more than ever, people use their cars to make money as well as travel for personal reasons, to school, the store, or for doctor’s appointments. A side hustle like part-time package or food delivery to make some extra cash puts the use of your car in a completely different category. Some companies don’t allow the use of a personal vehicle for the transportation of goods or passengers for a fee, which would require an endorsement for an additional premium.