Prepare for the State Farm Auto Insurance Test. Access flashcards and multiple choice questions, with hints and explanations for each. Get ready to ace your exam!

Practice this question and more.


How often must a person drive a household vehicle to be considered in the insurance quote?

  1. At least once a month

  2. Daily

  3. Weekly

  4. Once a year

The correct answer is: At least once a month

To be considered in the insurance quote, a person must drive a household vehicle at least once a month because insurers typically evaluate how often the vehicles will be used when determining premiums. The frequency of use is a key factor in assessing risk; thus, even infrequent usage, such as once a month, allows the insurer to account for the potential exposure to claims. This aligns with underwriting guidelines where being an occasional driver still places the vehicle and its use within the parameters of insurance coverage. A higher frequency of use, like daily or weekly driving, could indicate higher risk, leading to higher rates, while driving only once a year would generally not be enough for the vehicle to be considered actively insured.