You have to pick whichever makes the most sense for you and your circumstances. Are you sure you understand the restrictions fully? From what i gathered, and I haven't actually looked into it directly, the biggies are no driving to work (commuter duty), and perhaps a mileage restriction for lower premiums or no restriction for higher premiums, and you must have another car that you can indicate as your primary mode of transportation, that all seems pretty easy to me. What's the hang-up? What are their restrictions? There are other companies out there.
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