Are there any special discounts available for low-mileage drivers on their car insurance policies in athens?

Pay-per-mile insurance is different from the low mileage discount offered by some auto insurers. A low mileage discount offers a percentage discount on the cost of a traditional policy, while pay-per-mile auto insurance determines your rate based on the distance you drive. To serve less frequent drivers, some insurance companies offer car insurance or pay-per-mile or low-mileage policies, as well as special discounts for drivers who travel below a certain mileage per year. If you want specific coverages, such as accident forgiveness or replacement coverage for a new car, you may have to pay more for a regular car insurance policy.

However, it's hard to know how little you need to drive to benefit from pay-per-mile car insurance. While these two types of car insurance seem similar and may benefit drivers with low mileage, they are slightly different. By default, low-mileage car insurance premiums tend to be cheaper than traditional policy premiums, so insurers may not offer as many savings options. SmartMiles is a pay-per-mile car insurance program designed to save low-mileage drivers money, where the premium you pay varies depending on the number of miles you drive, giving you more control over your car insurance costs than a traditional policy.

If you consider yourself a driver with low mileage and don't expect to use your car for long trips over a period of time, it may be worth asking for quotes for mileage-based car insurance. While pay-per-mile auto insurance is different from a traditional auto insurance policy, you still have the same coverage options, such as auto liability insurance and medical payment coverage. For example, MileAuto, a mileage-based insurer, states on its website that anyone who drives less than 10,000 miles a year falls into this category and “is probably paying too much for car insurance.” It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance. When it comes to car insurance for drivers with low mileage, most insurance companies have been offering discounts for some time.

Although currently only available in Illinois, Ohio and Tennessee, Lemonade now offers car insurance to drivers with a focus on customization. To determine your monthly base rate, the company typically uses factors such as gender, age, and the make and model of the car, similar to a traditional car insurance quote. If you have a car but barely drive it, you might wonder if there's a cheaper car insurance option beyond traditional coverage.

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