A lot of auto-insurance policies will charge you different amounts depending on how much you drive. It's pretty easy to see why ... taken to the extreme, if you drive 24 hours a day, it won't be long until sleep deprivation takes its toll, and you'll be in a crash by the second day. If you never drive at all, you'll never cause an accident, and your premiums are free money. Most people are somewhere in between. Anyway, a lot of policies go a step further, and classify how cars are used. Not using your car to commute probably makes it a pleasure vehicle instead of a work hours, and you might be able to reduce your monthly payments because of it. If so, that's a step away from basic, but it's also money you could be saving thanks to your bike.