I have the S as my current Daily driver right now and plan on purchasing a 97 hatchback as a daily driver. However i still wanna drive the S from time to time during the week when the weather is nice.

As far as insurance goes, do you guys think my rates will go up or go down, since i will have the hatchback as my daily driver.

Also my S2k will be garaged for the 3 summer months since i will be traveling to Chicago with the hatchback for a internship.

 

Insurance companies could care less which one is your daily driver verus weekend car. I can speak about AllState and State Farm, Your total cost will go for insuraning two cars, but at the same time they grant you multiplete car discounts.

Side Note: It snowed in Chicago Yesterday.

 

In my experience, policy questions include whether you use a particular car to commute and how many miles you'll be putting on it. A "no" and a small number lead to lower rates on that particular car.

Insuring two cars costs more than insuring one, but the premium on the S ought to go down. Further, if there's a multiple car discount, that could help, too.

Finally, if you're really going to garage the S continuously for some number of months, you might be able to make an arrangement to "turn off" that policy for that time, saving more. HPH

 

I have my S listed as a weekend car, 2,000 miles a year average. This saved a lot on the premium. More so, there was a multi-car discount. I imagine that each company has it's own game when it comes to this.

 

From what I've read, the mileage that you enter on a web quote doesn't really affect anything. But as BocaS2000 mentioned, you should be able to list the car as a weekend only driver with a limit on mileage if you speak directly to your insurance provider. Also, you should be able to remove the car from your insurance completely for the 3 months that it will not be in use. At least with my old provider I would take my GTI off all the time when it was being worked on, during the winter, broken, etc. Haven't insured it with my new provider (old provider tried to F me when I bought the S, so I said bye bye), so I don't know how lenient providers are with this in general.

You MIGHT be able to insure it with a collectors/classic car provider which would have extremely low rates and decent coverage, but very strict rules.

 

Ummm...not true.

Allstate will insure it as pleasure use only with a 7500 mile a year limit at a discounted rate. That's how they handle mine.

 

I have nationwide and they let me put the S2k as my pleasure vehicle, and the T100 as my primary vehicle. didn't really save me anything though. droping collision and comprehensive helped

 

wrong .......................

mileage very much affects cost of policy. a guy driving 14000 miles a year versus a guy driving 7000 mi per year has twice the risk, because his car is on the road twice as long, therefore leaving twice as many opportunities for theft, accidents, acts of God, etc. simple concept.....

Some carriers allow you (common on east coast) to just leave comprehensive coverage on the car if you are garaging it for 2-3 months..

depending on the second vehicle, if you leave it liability only or very high deductibles, the cost shouldnt go up much over all. the multi car discount for the s2000 should almost offset the additional car cost... i added a beater camy to my policy and the total cost went up only $28 for the year... because the cost of the s2k went down $250 ....

you definately cannot insure this car with a collectors/classic car insurance ... that is for older cars rated on a stated value basis and only driven <2000 mi per year...

 

Cool thx for the info everyone, forgot to add that i'm with Allstate in Charlotte, North Carolina.

Allstate - "Your in good hands, if your hands can fork out enough cash!"

 

I just switched from Allstate to State Farm, and I know that is not true with either of them. The car you declare as your daily driver makes a HUGE difference in insurance rates. Both Allstate and State Farm have a "pleasure vehicle" discount category for vehicles that are not daily drivers and are driven relatively low mileage (under 7500mi annually)

I used to have a 2000 Honda Prelude. When I bought my 1992 Nissan Sentra as a beater, I declared that my daily driver to Allstate. My insurance premiums were essentially the same for insuring just the Prelude as my only car VS two cars together with the Sentra as a daily driver Prelude declared as the pleasure vehicle. The Prelude's premiums were discounted by nearly 50%.

Andrew