Car Insurance for a Vehicle That's Driven Very Little???? (2009, truck, mileage)
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Can anyone here recommend a car insurance company that offers substantial discounts to good drivers who put VERY FEW miles on their car each year? I think that my insurance company charges me too much for a car that I drive very little. My wife and I use her car most of the time, but I like having a second car available for those times when she wants to go one place and I want to go another place.
I filled out an online form for a quote from AARP (The Hartford) but there was no place on the form to even enter the amount of annual mileage. It just seems to me that a vehicle that is driven only about 2,000 miles per year shouldn't be charged the same amount in insurance as a similar vehicle that is driven 30,000 miles per year.
The more time and miles that a vehicle is on the road, the more likely it is to be involved in an accident... assuming similar drivers. So why don't insurance companies give substantial discounts for a car that is seldom driven? You've not likely to have a claim when the vehicle is sitting at home in your garage.
There are companies that will charge based on miles driven to drivers over 65 I believe. My mother drives very little and pays just a couple hundred dollars per year. It was brought to her attention by her insurance agent, I'm not sure what company it's with.
There are companies that will charge based on miles driven to drivers over 65 I believe. My mother drives very little and pays just a couple hundred dollars per year. It was brought to her attention by her insurance agent, I'm not sure what company it's with.
Location: Was Midvalley Oregon; Now Eastside Seattle area
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Not an endorsement:
we use Metromile, soon to be part of the Lemonade Insurance group. Uses a metered mileage, dongle attachment to diagnostic port. We drive ~1000mi/yr but nearly daily now to visit close nearby DS. Total cost <$60/mn, for highest liability coverage, highest medical, and high deductible collision, 2009 Prius. Garaged.
There are others that use cellphone tracking.
Too lazy to investigate other alternatives.
Disclaimer: I own the stock.
YIMV
Just today I was car insurance shopping. I am going to do a home/auto combined deal, but I listed our cars (both very lightly driven) at 5k mile per year for one and 2k for the other.
The insurance company put them both in a category of "less than 8,500".
I guess that's the closest I can get to something reflecting the low mileage we put on those cars.
Location: East of Seattle since 1992, 615' Elevation, Zone 8b - originally from SF Bay Area
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Reputation: 57744
We have State Farm, my truck is charged based on "over 10,000 miles", though I only commute two days a week. My wife is retired, and hers is based on "under 6,000 miles." My classic car is charged based on "under 2,000 miles." They can pick up the actual and change rates if you get service at a place that reports it to places like Autocheck and Carfax, otherwise they seem to trust us.
Under the Automotive section on CD is a car insurance sub-forum. You can search prior discussions on pay-per-mile insurance or ask a question. They can tell you the pros and cons of these pay per miles insurances as well as the question you need to ask the company. Some are good and others can slam you silly if you go over the scheduled miles, so education is your friend!
We have State Farm, my truck is charged based on "over 10,000 miles", though I only commute two days a week. My wife is retired, and hers is based on "under 6,000 miles." My classic car is charged based on "under 2,000 miles." They can pick up the actual and change rates if you get service at a place that reports it to places like Autocheck and Carfax, otherwise they seem to trust us.
I have state farm and have listed my commuter car as under 5k a year after the pandemic started and I was able to WFH most of the time. Even after I've been asked to go into the office 2x a week, I should be able to to keep under 5k annually. 2 vehicles at $1046 annually
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