Some auto insurance companies break commute use of the vehicle into two categories:

1) Work less than 15 miles

2) Work 15 miles or more: The longer the drive to work you have, the higher your risk of being involved in a car accident. Therefore, you will pay a higher rate if you have a longer commute to work. But you may qualify for pleasure use rates even though you are using your car to commute.

Keep in mind that each company has a slightly different definition for the please use rating, but if your company defines it as driving less than three road miles one way then you may qualify for the pleasure use rating. This is generally the lowest car insurance rate you can get, so if your commute is within the mileage guidelines, you may be able to save money on your car insurance.