How To Access Low Mileage Discount

When it comes to car insurance, most people are reluctant to pay large sums of money for it, even if it means getting more financial protection for their vehicle. This is understandable of course, especially after the recent years when the economy has slowly begin to recover. However, spending too little on insurance is bound to leave you underinsured, and underinsured drivers are a big problem in some states such as California or Alaska. Therefore the only way to get enough financial coverage is to become entitled for car insurance discounts, and the best way to find such discounts is to use auto insurance online quotes. One of the most popular discounts is for low mileage.

Almost all insurance companies provide this discount. The reason is simple: if you spend less time on the road, you reduce the risk of being involved in an accident and making a claim. Claims cost insurance companies money and by diminishing the chances of making one, you will be rewarded with a discount. Make sure to understand the minimum limits imposed in order to qualify.  However, this will depend on other factors as well. For instance, it is an absolute must that your driving history is clean, meaning no penalties on your driving license. It is also very advantageous to combine low mileage with other potential discount getters such as taking and completing a defensive driving course.

The definition of “low mileage” varies with each insurer.  However, the mileage cap usually ranges between 7,500 and 15,000 miles per year. If your annual mileage generally does not exceed this interval, you should ask your car insurance provider about a low-mileage discount. In many cases, you can end up saving 10-20% on your car insurance, just by driving less than the average American citizen.

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by Ciprian Gurgu