Cheap Auto Insurance for Infrequent Drivers?

If you drive your auto infrequently, you may qualify for cheap insurance for it. Since you do not spend nearly as much time on the road as other drivers, your insurance company may be willing to cut you some slack on the cost of your monthly premium.

Infrequent Driver Discount

Those who do not drive a lot should ask their insurance companies if they offer an infrequent driver discount. This is one of the discounts that your provider is not going to bring up to you. After all, they do not know how much you drive. It is your responsibility to ask for this discount. You may be surprised to find that your auto insurance company is more than willing to cut you a break because you drive fewer than 5,000 miles per year.

Pay as You Drive Insurance

Believe it or not, you may be better off switching to a relatively new form of insurance coverage known as “pay as you drive.” This type of coverage is just what it sounds like. You pay for the amount of insurance that you use, based on the number of miles that you travel in a given period. In short, the fewer miles you drive, the more you are going to save. To ensure accuracy, your insurance company will require that you submit a monthly odometer reading. This type of plan can help you get super cheap auto insurance. Along with this, you may find yourself avoiding your car altogether as a way of saving even more money.

Commuter Discount

Do you take public transportation to work? Do you carpool with somebody else? In this case, you may qualify for a commuter discount. This is given to people who do not drive their car to work on a regular basis. You are provided a reduced rate because you are not taking the risk of driving your vehicle during rush hour traffic. If you have been looking for a way to get cheap auto insurance, this may be something to consider.

Know Your State Minimum Requirements

If you are an infrequent driver, you can often save money by opting for liability care insurance or temporary car insurance. In most cases, temporary car insurance is effective for a period of 10 to 30 days. Of course, it can be renewed the following month if need be. If you are not going to be driving on a regular basis or plan on quitting altogether in the future, temporary coverage is the way to go. Liability car insurance allows you to save a lot of money, but it will pay only for damage to the property of others–not to your vehicle.  

Infrequent drivers have the ability to purchase cheap auto insurance. You should consider everything from pay as you drive insurance to temporary insurance to asking for a discount. All of these can help you save money while keeping your car off the road.

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