Pleasure use

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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. 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.

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The amount you'll pay for car insurance is impacted by a number of very different factors—from the type of coverage you have to your driving record to where you park your car. While not all companies use the same parameters, here's a list of what commonly determines the bottom line on your auto policy. Other factors that affect premium price that can vary from one area or state to another are: cost and frequency of litigation; medical care and car repair costs; prevalence of auto insurance fraud; and weather trends.

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Does it mean you cannot use your car to commute to work? And do you get discounts if you choose pleasure use car insurance policy? Find out all the answers below and get a few quotes above. This option could suit stay at home mums, people who usually take the train or subway to work, people who work from home and people with cars that is used occasionally for whatever reason including having a second car.

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My first car I drive less than 3, miles annually. My second car is driven only miles a year. I want to insure my second car as a pleasure vehicle, but my agent of many years insists that will make the rates a lot higher.

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At the option of the insurance company, pleasure use can include driving to or from work or school, if that location is less than a specified amount of miles generally three miles away from your home. This varies by insurance company. Answer Financial R Inc.

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Due to the litigious nature of our society and the rising costs of vehicles, car insurance rates are on the rise across the country. Insurance companies will offer what amounts to a bulk rate because they want your business, and under some circumstances, they are willing to give you a deal if it means you'll bring in more of it. Generally speaking, multiple drivers must live at the same residence and be related by blood or by marriage.

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It is no secret that car insurance is a necessary expense that can sometimes add up depending on several factors. One of the things that determines your car insurance rate is what you use your vehicle for. If you use your vehicle for commuting to and from work or school, you may pay more than if you use your vehicle for pleasure. It is important to understand the definitions of commute and pleasure in terms of car insurance, as well as how it affects your car insurance policy.

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