What Is Low Mileage For Car Insurance?

When it comes to buying car insurance, one of the most important questions to consider is what is considered low mileage for car insurance. The answer to this question is not always straightforward, as it can vary from one insurer to another, as well as depending on the type of coverage you are looking for. Generally speaking, low mileage is considered to be any distance below the annual average of 12,000 miles.

The Benefits of Low Mileage Insurance

If you are able to keep your annual mileage down, you may be eligible for cheaper car insurance premiums. This is because the insurance company is likely to view you as a lower risk driver, as you are less likely to be involved in an accident due to driving fewer miles. The amount you could save by opting for a low mileage policy can be significant. It is also worth noting that some insurers will offer discounts if you also have a safe driving record.

Which Types of Policies Offer Low Mileage Discounts?

Not all insurance policies offer low mileage discounts, so it is important to check with your insurer before you make a purchase. Some of the most common types of policies that may offer discounts for low mileage are comprehensive, third party fire and theft, and third party only policies. It is also worth noting that some insurers may offer discounts for low mileage even if you do not have a no claims bonus.

What Is Considered Low Mileage?

The definition of what is considered low mileage can vary from one insurer to another. Generally speaking, low mileage is considered to be any annual mileage below 12,000 miles. However, some insurers may have lower thresholds for low mileage, so it is always worth checking with your insurer before you buy a policy.

Tips for Keeping Your Mileage Low

If you are looking to keep your annual mileage low in order to qualify for a low mileage insurance policy, there are a few tips you can follow to reduce your annual mileage. Firstly, if you live close to your workplace, try to walk or cycle whenever possible. This can save you a significant amount of miles each year. Secondly, if you are planning a long journey, try to break it up into smaller journeys. This will help to reduce your overall mileage. Finally, if you are planning a short journey, consider using public transport instead of your car. This will also help to reduce your annual mileage.

Conclusion

In conclusion, low mileage for car insurance can be a great way to save money on your premiums. It is important to understand that what is considered low mileage can vary from one insurer to another, so it is always worth checking with your insurer before you buy a policy. Additionally, there are a few tips you can follow to help reduce your annual mileage, such as walking or cycling to work and using public transport for short journeys.