If you have 3 cars you can classify one as a Recreational vehical. When you do that you must do an odometer statment every year to prove that you drive it under the mileage stated. Keep in mind that thier is several levels.. I have my Z on the UNDER 5K year plan. I orginally had it on the under 7500 miles. When I changed it to the 5k or under the insurance dropped about 40 bucks every 6. That is why it is so cheap cause the car dosent get driven much. And if you do go over it they will raise your rates accordingly.