Catonic wrote:

flynn23 wrote:
You'll incur less mileage on your car, slowing the depreciation curve a bit and slowing maintenance cycles a bit, the idea of getting a discount on insurance for low mileage driving is a good one...

This, in my mind seems a fiscal misnomer. I'm sure someone more familiar with the statistic probablities of insurance has a better idea, but it would seem that the more time you spend on the road, both the more likely you are to have an accident, and the more likely you are to be familiar with the vehicle and thus avoid the accident. How often to truckers wreck compared to someone who drives 10, 20, or 50 miles a day? But I digress. I should look into this as well -- I drive less than 100 miles a month but thanks to road conditions, those 100 miles are rougher on my car than 100 miles of interstate.

I'm not sure if this is a universal standard for actuaries but there's always a break if you drive less than 12K a year. Sometimes more breaks if it's a "classic" car (meaning that it's old, but not priceless old) and if it's a restored vehicle and you trailor it most of the time. I think there's some logic behind how much you're on the road, but that logic breaks down with 'familiarity'. That's never helped me avoid another person's stupidity.

RE: caltrain blows