If you plan to use your car both for work and pleasure, it's best to consider that daily trips are your primary use of the vehicle. You can still use your car for pleasure and be covered. If you use your car to work but don't drive far, consider usage-based car insurance. Pleasure car insurance, you're basically comparing usage.
Everyday transportation insurance generally covers regular, everyday use, while recreational car insurance generally constitutes occasional use. With more use of commuter vehicles, your transportation insurance tends to be more expensive. Recreational use is for drivers who only use a vehicle a couple of times a week, so they accumulate far fewer miles and are at less risk. For a car to fit the pleasure category, it must be used primarily outside of work or on the weekend.
Below, we've compiled rates from some of the most popular insurance companies in the country and focused specifically on everyday use and recreational use so you can see the difference, if any, in price. If you are one of those who use their vehicle to go to work, but you also want to be able to take pleasure trips, you should put your vehicle up for sale to go to work. If you're a traveler who spends a lot of time on the road, transportation insurance will suit your needs much better than the limited protections offered by recreational car insurance. When deciding between leisure car insurance and another for trips to work, honestly evaluate the use of your car to choose the right level of coverage.
Whether car insurance for pleasure or travel insurance fits your needs, it's essential that your vehicle has adequate auto insurance coverage. Most recreational vehicles are only used on weekends or other occasional uses for recreational outings. Be honest when deciding if your car is used for daily or leisure trips, as insurance companies check the mileage of recreational vehicles. Whether you're going to work or using your vehicle for recreational use, you can lower your car insurance premium by making sure you get all the car insurance discounts you're eligible for.
Most insurance providers offer low mileage discounts for recreational vehicles that travel 7,500 miles or less per year. If you use your car to travel to work and have insurance for recreational use, you may not have a valid policy. That's because drivers who use their car for pleasure are more likely to qualify for discounts for low mileage. The easiest way to determine if you use your car for pleasure or to go to work is to ask yourself where you drive and how often.
Each company uses its own mileage thresholds for recreational car insurance, with qualification limits ranging from 8,000 to 15,000 miles. If you insure your vehicle for recreational use but use it to go to work, you could be guilty of insurance fraud.