My Allstate insurance guy is trying to tell me that Pleasure does not cost less than Drive to Work for our car

I'm in the same situation (new stay at home mom no longer driving to work) and my Allstate agent told me the same thing. As a former customer service rep for an independent insurance agency, I saw many companies changing the old hard and fast rules that governed vehicle usage cles. It used to be that companies had between 1 and 5 rating tiers based on your age and driving record alone, and in each tier pleasure use was always rated lower than driving to work. Now companies have many more tiers, maybe 10-50 or more based on all kinds of crazy criteria (like whether or not you went to college, puh-leez!), and changes in usage don't necessarily merit lower rates anymore. In fact, sometimes changing from work use to pleasure would actually increase someone's rate! No insurance company could ever give me a decent reason for this, it was "just part of the rating software that can't be changed". This is just one of the many reasons I'm so glad to be out of the insurance business! FYI - I got an online quote from the insurance company with the cute little lizard (you know the one I'm talking about!) and it was way less than Allstate. If you decide to shop around make sure you get quotes wth at least the same limits you have now. The lizard initially gives you basic limits but you can increase them to match what you currently have if necessary.