Drive Less, Get Low-Cost Car Insurance
An easy way get low-cost car insurance is to reduce the number of miles you drive. Auto insurance companies give drivers who drive less miles insurance discounts since they are typically involved in fewer accidents, resulting in fewer claims.
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Low Mileage = Low-Cost Car Insurance
Mileage is a determining factor for calculating car insurance rates. If you reduce the number of miles you drive you may be entitled to low-cost car insurance. For example, if you use public transportation to and from work you're less likely to get into an accident and will put fewer miles on your car. Insurance companies may see you as a "pleasure driver," making it easier for you to obtain low-cost car insurance.
According to the Consumer Federation of America, being classified as a pleasure driver could save you 10% to 15% ($94 to $142 off the average premium) on your car insurance. If you have significantly reduced the miles you drive, talk to your auto insurance carrier about low mileage discounts and low-cost car insurance.Green Factors
According to the EPA, vehicles account for almost 1/3 of smog-forming emissions. According to the US Department of Transportation, Americans drive over 200 billion miles each month, contributing to more and more vehicle emissions. Taking your bike or carpooling to work a few days a week cuts down on the amount of emissions your car contributes, keeps the planet green, and saves you money by making you eligible for low-cost car insurance.
Ways to Reduce Your Driving
- Carpooling
- Public transportation - buses, trains, subways, etc.
- Walking (if your destination is nearby and you can spare the time)
- Combine errands and plan one long trip instead of several short ones
