If your mileage is low enough, you may also qualify for
pleasure use car insurance which is considerably cheaper than a standard policy.
Not exact matches
As each
insurance company's policies on
pleasure use vehicles are likely to be slightly different the best way to change your
car's policy over so that it is covered as a
pleasure use vehicle is to contact your
insurance agent or your
insurance broker and ask them how to do so.
So you see, if it's an antique
car that you love to drive to work, it probably isn't applicable for
pleasure use insurance.
This means, similar to
pleasure use insurance, that people who drive less, pay less for their
insurance, for the very simple reason that
car owners who drive less are involved in fewer
car related accidents.
Insurance companies consider whether or not a driver is
using a
car for business or
pleasure, and even reducing the number of miles driven to work each week could result in savings.
So if, for example, you
use your
car just for
pleasure, but then indicate that you drive 13,000 miles a year, an
insurance company might get suspicious.
Your
car insurance rates will be lower on a
car that is purely
used for
pleasure than on a
car that you
use to commute to work on a daily basis.
Factors like how much, where and when you drive, whether you
use your
car more for business or
pleasure, can also affect
insurance rates.
However, most collector
car insurance policies cover a wide range of
uses from weekend
pleasure cruises to treks to auto shows and conventions.