Car Insurance for Weekend Use

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In a nutshell...
  • How often you drive your vehicle is a major factor that’s used to determine how much you’ll pay for insurance
  • If you own a car that you only use on the weekend, it will probably be given a pleasure usage rating
  • If you’re driving your car on the weekend for business purposes, you’ll still have to pay a higher cost business rate
  • Consider how many days a month and how many miles you’ll be driving to estimate your annual mileage
  • If you only drive your car 3,000 to 5,000 miles per year, you’ll receive a low-mileage discount that saves you

While the number of vehicles per household is on the decline in the United States, data gathered by the Bureau of Transportation have found that the average U.S. household has more cars than drivers.

The extra car could be for a teen who will be licensed in the future or for fun excursions on the weekend.

If you own multiple vehicles, you’ll have different insurance requirements for each type of vehicle. Your primary car that you drive to and from work on a daily basis might not require the same level of coverage as the car that you take out only on the weekend.

Compare car insurance options to find the policy that’s right for you. Here’s a guide to help you build the right type of car insurance policy for your weekend car:

Can you buy a policy where coverage only takes effect on weekends?

If you’re absolutely sure that you’ll only be driving one of your vehicles on Saturdays and Sundays, you could be shopping for a special kind of weekend policy.

Unfortunately, there’s no specialty type of weekend insurance that will only charge you premiums for coverage on the weekend.

If you’re in need of regular coverage, you can’t pick and choose which days of the week that you need protection. When the coverage is secured, you’ll have protection from the start of the effective date to the end of the expiration date.

The only time there will be days when coverage isn’t afforded is when you miss a payment and you have a lapse.

You Need Insurance For As Long As the Car is Registered

Offering vehicle owners any type of weekend insurance would cause complications with the state.

By law, you have to prove that you’re financially responsible to own a car.

One way to do this is to buy mandatory insurance. If you only had mandatory insurance each weekend, you wouldn’t be in compliance with state insurance laws.

Being out of compliance means that you’ll be assessed penalties.

Insure Your Weekend Car With the Same Carrier As Your Primary One

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If at all possible, you should insure the vehicle that you have designated for weekend use with the same insurance company providing you with coverage on your primary car.

Not only is it more convenient to deal with one company, combining insurance can save you money.

Whenever you insure two or more of your cars with the same carrier you’ll be eligible for a multi-car discount. The discount will be applied to all of the vehicles on the policy. Sometimes, insurers require the cars to be registered in the same name.

Other times, the company will apply the discount as long as the cars are registered to spouses or other household family members.

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How does usage affect your current rates?

Weekend cars already get favorable rates when you have two vehicles but they also get a lower rate even when you own just a single car.

This lower rate is because of the rating factor that most insurers call vehicle usage. Out of all of the rating factors that insurers use to determine an insured’s rates, the factor that has a huge influence on your insurance for a weekend car is vehicle usage.

Usage refers to how the vehicle is primarily driven. If you drive the car to and from work or to and from your campus, you’ll be classified as a commuter.

How many days and how far you commute will also be considered when developing your rate. If you’re commuting five days a week, the mileage from that commute will drive up your rate.

Most weekend cars are classified as pleasure vehicles because they are driven for fun and not for business. If you do drive for business on the weekend, you have to let your insurer know.

Depending on how often you take business trips in the car or what type of business you’re involved in, you may need a special type of policy.

Can you get a lower rate for driving less?

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Another personal rating factor that’s used to calculate your premiums is annual mileage. Since commutes are what typically drive your mileage up, you can expect to fall in a lower mileage range than the average American if you have a weekend car.

The average American nationwide drives their vehicle 37 miles per day and 13,476 miles per year. This average is why most companies consider mileage between 12,000 and 15,000 per year standard.

If you’re driving less than this number of miles in one of your cars, you’ll get a lower rate.

A majority of insurers will offer you low-mileage discounts if your annual mileage falls below 7,500 or 5,000 miles. This discount is given because less mileage means less exposure to accidents.

Consider Specialty Coverage on Classics

If your weekend car is more than just a standard car, you might need more than just standard car insurance. Classic cars require specialty insurance because they retain more value that standard vehicles that aren’t in collector condition.

You need a policy that will offer you a stated amount so that you’re fully protected.

Since your auto insurance company will only pay you the fair market value after a claim, you could be leaving yourself vulnerable if you have the wrong insurance. Buying classic car insurance will put your mind at ease.

  • You can get an appraisal
  • You can document modifications made to the car
  • You can even find low-cost insurance because there are mileage and usage restrictions

If your weekend car is financed, you have to keep full coverage on the car at all times. You don’t have to have full coverage on paid off cars but it’s wise if the car has a lot of retained value.

The best way to determine how much coverage you can afford to carry is to shop around in the marketplace. Use our online quote tool to get rates from multiple carriers and you can find the best rate instantly.

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