The term low-mileage car insurance or limited-mileage insurance is a bit of a myth. Most insurance companies won't base their car insurance rate solely on mileage. In fact, many insurance companies ask about mileage and consider it, but they may not put much emphasis on it. One reason could be that drivers often overestimate and underestimate how much they drive.
As a result, most insurers don't offer pay-per-mile options or discounts for drivers with low mileage. If you drive less than 25 miles a day, find out if your car insurance company offers a discount for low mileage. You'll receive another discount simply for owning a home, even if your home isn't insured through Progressive's network of home insurance companies. In other words, your car doesn't have to have less than 8,000 miles on the odometer to qualify for low-mileage insurance; generally, you need to drive less than 8,000 miles a year.
USAA is one of the cheapest auto insurance companies overall and has a history of proven customer service. Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate. We recommend contacting companies for free car insurance quotes before deciding on an insurance provider. Insurance agents consider a number of factors when calculating your personalized auto insurance quote.
The age of your car may affect the overall insurance rate, but a higher or lower reading on the odometer isn't something insurers generally use to set rates. Add a full-time student who maintains a B average or higher to your policy, and we'll add a discount on car insurance. While usage-based options aren't advertised as low-mileage car insurance programs, people who drive less often save more. We looked at car insurance rates for 35-year-old drivers who travel 12,000 miles a year and 6,000 miles a year.
If you qualify for the USAA and drive less than the average person, you can find a good rate with a discount on low-mileage car insurance. To get discounts on low-mileage car insurance, you typically have to drive less than 7,500 or 8,000 miles per year. A number of companies offer low-cost auto insurance policies through discounts and pay-per-mile insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.