You may see a choice of “pleasure only” on an automobile insurance quote form and wonder what it means. You would naturally want to know if it would allow commuting and afford cheaper rates. There is a reason why there is a distinction and it may come with limitations. So, let’s have a look at under which circumstances people should go with it and what the discounts would be. Find out all the answers below and get a few quotes above.
Pleasure only driving is for people who don’t use their automobiles to commute every day or for any business purpose. This option would suit people who usually take the train or subway to office, work from home and use cars occasionally for whatever reason including having a second car. It mainly covers grocery shopping, social visits, picking up children and holidays.
Can you commute with it occasionally? Generally, you should be able to drive to work on occasion, say when there is a train strike or you are going somewhere else after. There are limitations as to how long or how often you can drive to work. Some companies set a limit of not more than 5 times a month. You still need to check with the agent how these restrictions apply. Rarely, there can be a total ban, especially if the work is more than 25 miles away. And they may be all right with it if the distance is only few blocks.
Another definition may have something to do with yearly distance covered. If you travel less than 7,500 miles a year you may qualify for price reductions for low usage.
You would get better rates for choosing pleasure only car insurance. However, most companies would offer you discounts if you travel less than 7,500 miles without the need to restrict where you go, except regular business trips. You need to check the conditions attached. Also, you need to make sure that savings are worth it if you choose a social use only with too many restrictions.
Pleasure vs. Commute Car Insurance
It is understandable that people who drive their automobiles less than an average motorist (about 12,000) would want to spend less on premiums. The more you stay on the roads the more likely to have an accident. So, the risks are lower. You should get a few quotes to check alternatives. You can get quotes for pleasure use auto insurance and standard low mileage coverage (including commute) from the same companies. This would be easier online as you won’t feel guilty of taking too much of someone’s time, although the whole process shouldn’t take long. So, don’t skip comparison-shopping.
Furthermore, most classic cars would have pleasure vehicle insurance coverage but most cars would not qualify as a classic. They are more than just old cars. They are rare automobiles with distinction. Their owners usually have a regular second automobile. And they take out vintage autos occasionally that qualify them for large discounts. Usually there would be a yearly limit within classic car policies like maximum 3,000 miles. Some people refer to it as Sunday Driving.
Don’t be tempted with discounts and end up buying a policy that doesn’t suit your lifestyle. You don’t want to be wondering if it is covered for the current purpose or not. If you are in doubt buy standard auto insurance for low mileage drivers. Then, it would be all right to make rare business visits too, as long as you are not transporting goods and people for a fee or business gain.
You really have plenty of options available in terms of protection, providers and prices. Spare a little time to find out as much as you can. Try to avoid rushed purchases by not waiting until the last minute before renewal.