Insurance costs are a big concern for all car owners. However, if you drive your car occasionally, you can choose auto insurance for low mileage drivers in order to save money. Classic cars that are out only during exhibitions also qualify for low mileage insurance. Students who drive around only during holidays, or retired elderly, or people who drive a car only for road trips make for ideal candidates for such insurance coverage.
In order to determine the cost of insurance coverage, insurance companies take a lot of factors into consideration. These include age, driving record, make and type of the car, as well as the mileage clocked. In order to avail of the low mileage car insurance discount, you need to know how much mileage you will likely do in a year. This can be a bit tricky as you have to provide the estimate to the insurer before getting the insurance.
A workaround for this problem can be your service certificates where the mileage for each year is listed. This can provide you with a ballpark figure of an estimated mileage that you may do in a year. However, if there is a change from the last mileage listing such as a change in job location, you will have to factor in those changes.
Insurers feel that people who spend more time on the road driving are more prone to accidents. Therefore, you might think that auto insurance for low mileage drivers costs lesser. However, the insurers also consider low mileage drivers more likely to get involved in accidents as they may not know the road roads well.
Some drivers try to save money by declaring low mileage and benefiting from the best car insurance for low mileage. However, dishonest declaration of low mileage is an insurance fraud that can result in invalidation of your insurance coverage. This is one of the reasons many insurers provide higher priced quotes instead of considering the extremely low mileage entries.
In order to save money on car insurance, you can get instant car insurance with no deposit when crossing states for a day. Or opt for ‘pay as you go insurance’ that uses a black box to add up the miles you clock. In any case, in order to find the best car insurance for low mileage, search the internet, compare the quotes, and get the best deal for your unique requirement.
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