What Is Considered Low Mileage For Car Insurance?

Why Low Mileage Matters When It Comes To Car Insurance

When you buy car insurance, the amount you pay is based on a variety of factors. One of the main factors is how many miles you drive each year. The lower the mileage, the less you will pay for your insurance. This makes sense, since the less you drive, the less chance you have of getting into an accident. So, what is considered low mileage for car insurance?

The average driver puts about 12,000 miles on their car each year. This can vary depending on your lifestyle and where you live. If you live in a rural area and don’t drive very often, you may have a lower mileage rate than someone who lives in a city and drives a lot.

How Low Mileage Affects Your Insurance Rates

Insurance companies use the amount of miles you drive to determine your risk level. The more you drive, the higher your risk of getting into an accident. Therefore, the less you drive, the lower your risk and the lower your insurance rates will be.

Insurance companies also use the type of car you drive, your age, your driving record, and other factors to determine your rates. But mileage is one of the most important factors.

What Is Considered Low Mileage?

Most insurance companies consider anything under 12,000 miles per year to be low mileage. However, some companies may consider a lower mileage rate depending on your age, your driving record, and other factors.

If you drive less than 12,000 miles per year, you can usually qualify for a low mileage discount on your car insurance. This discount can range from 5 percent to 15 percent, depending on the insurance company.

How To Track Your Mileage

It’s important to track your mileage if you want to qualify for a low mileage discount. You can do this by keeping a log of your trips or by using a GPS tracking system. This will help you keep track of how many miles you’re driving each year.

Tips For Lowering Your Mileage

If you want to lower your mileage and qualify for a low mileage discount on your car insurance, here are a few tips:

-Take public transportation whenever possible.
-Carpool with friends and family.
-Combine errands into one trip to reduce the amount of miles you’re driving.
-Walk or bike to local destinations whenever possible.

Conclusion

If you drive less than 12,000 miles per year, you can usually qualify for a low mileage discount on your car insurance. This discount can range from 5 percent to 15 percent, depending on the insurance company. It’s important to track your mileage to make sure you qualify for the discount. You can do this by keeping a log of your trips or by using a GPS tracking system.

As well as tracking your mileage, you can also reduce the amount of miles you drive by taking public transportation, carpooling, combining errands and walking or biking to local destinations. Doing this can help you save money on your car insurance and make a positive impact on the environment.