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 maintain a clean driving record for several years, your insurance company will reward you with lower car insurance rates. Even if you can't find many auto insurance companies with occasional discounts for operators, there are still ways for policyholders with occasional drivers to get discounts on car insurance. Some insurance companies offer discounts on electronic invoicing if the insurance company doesn't have to send paper invoices.
The use of telematic devices in usage-based insurance discounts or pay-per-mile insurance discounts can offer casual operators a discount for low mileage. Some auto insurance companies may not offer occasionally discounted auto insurance rates for operators, but they may offer other discounts to drivers with low mileage, who are good students, or who drive safely. Add a full-time student who maintains a B average or higher to your policy, and we'll add a discount on car 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.
Occasional driver insurance can reduce car insurance rates by up to 25%, but discounts will vary depending on the occasional operator's driving history. 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. If you add an occasional operator discount to your car insurance policy, you can get up to 25% off your car insurance rate. Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate.
They are trained, licensed professionals who are here to defend you and will work hard to lower your car insurance rates. College students and teens who only occasionally drive their mother or father's car can get a good student discount if they maintain a B average or higher at most insurance companies. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. When you request occasional car insurance quotes with discounts for operators, be sure to ask the insurance companies what their definition of a casual operator is to see if you qualify for the discount.