What would be a way to ask this question so I can actually get relevant answers?

  • by Brian Hates Himself
  • Aug 04,2018
  • 6 answers

My question "Is there a reduced rate car insurance for people who don't drive much?"
Most of the answers are: talk to your insurance agent, shop online, or you haven't provided any details about yourself so we can't answer you.
I just wanted to know if there was a special term or if the thing even existed so I could search for it but no one would even give me that.


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Insurance Answers (6)

curtisports2 2 months ago

Your problem is that you want a 'One size fits all' answer. Life does not work that way most of the time. All 50 states can have their own rules about what an insurance company can or cannot do, or must or must not do. There are dozens and dozens of companies that sell auto insurance. Some offer a number of different policy types, and even within policy type, they can vary from state to state.
There is NO way to get 'relevant' information other than to call companies in your state and be ready to give answers to their questions about you, your vehicle, your driving record, your driving habits etc etc etc.....

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David 14 2 months ago

AGAIN, no

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sats 2 months ago

I can't think of a term to call it. I do know that some insurer's such as AllState have a device that you put in your car and they track your habits and distance. You get a discount for things like low miles, not jamming on brakes, doing the speed limit.

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Maria 2 months ago

It's called a low mileage discount. They calculate the average at about 1,000 miles a month. I get a discount for driving half that with State Farm.

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lucy 2 months ago

https://www.insurance.com/auto-insurance...
Google and you will find the answer.
If you live in CA, IL, NJ, OR, PA, VA or WA, then MetroMile is based specifically on the number of miles you drive and tracks it and then billed each month based on your mileage.
Esurance which is part of Allstate and is in Oregon only.
But if you don’t live in those states, then can check out either Progressive or
Allstate which (maybe) available in what state you live.
But you will need to get on the phone with these companies to ask for this specific policy and discount.
https://www.insurancequotes.com/auto/mil...
This site shows how much you could save and has a chart to show the amount of discount.
If you live in CA, AK, AL, HI or WA DC can get the highest discount.
But if you live in NC, UT, TX, CT or RI, then may (not) get much of a discount for low miles.

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bluebellbkk 2 months ago

There is no one specific 'Yes' or 'No' answer for you. Suppose I tell you, 'Yes'.
How does that help you? A real answer MUST depend on where you live, what the laws are there, what special provisions individual motor insurance companies allow, and whether you would fit into those provisions.

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