For people who don’t drive often, it can feel like car insurance is a waste of money; someone who rarely drives shouldn’t have to pay as much per month as someone who commutes daily. But just as health and home insurance can be tailored to individual needs, car insurance can also be arranged to reflect the specific vehicle, driving history, and driving style of each person.
If you don’t drive often there are certain types of car insurance that will better suit your needs, but there are still other factors to consider.
Calculate how often and how far you regularly drive
You could be driving less than you used to based on your previous commute, but it is still important to consider just how many miles you drive in a day. Car insurance companies might have a different definition for what qualifies as driving less often, and you don’t want to be misled. Take time to track your miles on a daily or weekly basis, so that you can decide if you fall into the right category.
For a lot of insurance companies, the range for infrequent driving can span from 12 to 40 miles per day, so it’s a good idea to measure where you are.
Ask about discounts for driving fewer miles
Drivers that are on the road less are less likely to get into an accident, at least that’s how insurance companies see it. Even if your provider doesn’t offer a specific low-mileage plan, they might offer discounts for driving fewer miles. You could pay less overall if you find a provider that utilizes incentives for less time on the road.
Consider pay-as-you-go insurance
It’s a relatively new concept, but some insurance companies are now offering a pay-as-you-go plan for drivers who don’t log a lot of miles. Typically these plans use a base rate, and then the driver pays a fee per mile driven. These plans require you to use a tracking system in your car, so you have to feel comfortable with the results it produces. It’s not for everyone, but it can be a great way to save if you don’t drive often.
Keep up with vehicle care and maintenance
You might think your car isn’t at risk for maintenance concerns if you don’t drive often, but that’s definitely not the case. You still need to arrange a regular maintenance schedule for a car that isn’t driven on a daily basis. Be sure to keep up with routine oil changes, check fluid levels, and keep your tires properly inflated.
Don’t leave your car parked for long periods of time in places where it will be exposed to the elements. Harsh summer sun can damage your car’s appearance, and storms can cause hail or wind damage.
Keeping your car in good working condition will save you money on repairs down the road and make your car easier to insure, whether it is on a low-mileage plan or not.
Navigating the world of car insurance can be particularly confusing. There are so many packages, prerequisites, and policies, that it’s not always wise to go with a generic approach. Whether you drive all the time or barely at all, be sure to compare car insurance companies to find the best policy for you.