My car insurance company definitely has different rates. When I was walking to work I put my car in "pleasure use only" category and it was MUCH MUCH cheaper. I think it was also based on miles per year, and the cap was like 5000 for pleasure use only.
Now I drive to work 3-4x per week and the rate is based on distance from work; I'm not sure if they count the fact that I'm only driving 60% of the time.
So definitely look into the pleasure-use-only category