How Does Nighttime Driving for Gig Work Affect Your Rates in East Nashville?

[maria151]

Hey East Nashville drivers,
I’ve been doing a lot of nighttime driving lately for gig work—mainly food delivery and rideshare—and I’m curious if anyone else noticed a spike in premiums because of it?
From what I’ve seen and heard:

• Driving late at night is considered higher risk by most insurers.
  
• Some policies adjust rates based on driving times, especially if you’re on the road during hours with more accidents.
  
• If you’re doing rideshare or delivery, it may even require a different type of coverage.
  

I’m currently shopping around for car insurance quotes in Nashville, and a few companies definitely asked if I drive for work during the night. It seems like being honest about it can either help you find the right plan—or cost you more upfront.
Just wondering…

• Has anyone seen rate increases from night driving in East Nashville?
  
• Did switching insurers help?
  
• Is a commercial or gig endorsement really worth it?
  

Let me know your thoughts or experiences. Could use some input before I make a switch.