Car insurance for people who don't drive much?

Question

Is there such a thing? I rarely drive anymore due to some medical problems and I usually just use public transportations. I'm still paying my full-coverage car insurance, but I feel like I'm just throwing my money away. Any suggestions on how I can still be insured but maybe not have quite as much coverage? Thank you.

Answer 1

That's something you have to work out with your agent, insurance companies usually take into account the mileage you drive during the year,  if you can prove that you are driving less, you could get a lower rate on your insurance.However, you might still want to keep the full coverage, just in case.

Answer 2

For automobile insurance the most efficient way to get a very good quote is do a rate comparison on car policies. Make certain that you compare similar options with the same deductibles, car model, zip code, etc so that all options are a good comparison.



What I usually recommend is an online comparison quote at http://www.lowratetoday.com since they have lots of insurers and can give several quotes on car insurance polices.

Answer 3

There is such a thing as a low mileage discount. Insurance companies look at how many miles you drive per year when determining your rates, so make sure you ask your insurance company about that.

You might want to try looking at a few other insurance companies to see if you can find a cheaper rate somewhere else.

Answer 4

yes starfish..I reduced mine for the same reason..I was paying 405$ for 6 mo...so i went on the web ...just google car ins. rates and you will find many sites for major ins co`s. ..on the sites you can put in diff.scenarios as to levels of coverage  ,,and get a quote., no obligation , I did at least ten diff ones...I acceped a quote for 170$ for 6 months.with collision .and liability .I bought it on line and have recieved  my policy and all is fine.  It came from one I did not consider before. it starts with a G.  ..P.S it went even lower with out coll. coverage . i spent 2 3 hours .