vehicle insurance

(I couldn't decide where to post this - but frugality in the purchase is my goal, so.....mods, move if you like.)



Are any of y'all familiar with the ins-and-outs of car insurance? Trying to finalize the coverage on our new(er) vehicle we bought recently.



(1) does it make a difference in premiums whether the vehicle is categorized "work" or "pleasure"? I TOLD the lady that we were now retired and all (3) vehicles were not used for any sort of commuting, but she still categorized the pickup truck and the new vehicle as "work" vehicles. Do I care?

(2) she asked who would be the primary driver of the new vehicle. We don't really have one - I will drive it more times a week, but DH will drive it more miles. I told her just to put DH as the primary driver - but maybe that is costing me more? Do I care?

(3) I could sure use your opinions as to what y'all think about liability coverages. I read years ago that one should increase the basic liability coverage that the insurance companies give as their basic package ($50,000 each person, $100,000 each accident). Websites where I could research the question, maybe?



Thanks guys!

vehicle insurance