my insurance has 3 cutoffs- if I use a car to commute to work every day the 3 categories are : a) less than 3 miles (one way), less than 15 miles, more than 25 miles.
If the car is primary or leisure (less than 5K mi/year- see my Grand Wag)
and who is the primary driver. they start with the highest rates and then give discounts.
BTW when I bought my 190 the lady asked me how many miles was on it when I told her 92 K, she said "Oh, just off it's break in period!"
