UPDATED: Mar 19, 2020
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One way to lower the cost of insurance, if you own more than one vehicle, is to insure one of them as a pleasure use vehicle. To do so, the vehicle has to meet several qualifications, but the coverage for a pleasure use vehicle is only a portion of the coverage for a car that you will be using every day.
For Owners of Multiple Cars
Pleasure use car insurance is only available for people who own more than one vehicle, and cannot be listed as the primary vehicle for anyone in the home. Typically, pleasure use insurance is used to insure a truck that you only use for pulling your boat or recreational equipment, or for a car that is only driven on rare occasions such as car shows or other special events. If your insurance company determines that you are driving a car insured with pleasure use insurance to work on a daily basis, they will drop the coverage, and may cancel all policies you have with the company.
Pleasure Use Means Lower Miles
Most insurance companies put a cap on the number of miles a car can be driven each year without losing the pleasure use status. For some companies, this number can be as low as 2500 miles, while other companies consider pleasure use to be any mileage below 10k miles. Check with your potential insurer to find out how they treat pleasure use mileage.
Pleasure Use Means Off-Peak Driving
To the insurance company, pleasure use of the vehicle indicates that it will rarely if ever be driven during high traffic times. This means a reduction in risk for the insurance company because the vehicle is not on the roads during rush hour, and accounts for a large portion of the savings on such coverage. Be careful, though, to notify the insurance company if you ever have to use the vehicle during such peak times as doing so could have an impact on your coverage.