How does mileage on your car, affect rates? I.e. 4500 per year or 10,000.
In general, low milage discounts apply if you drive 15,000 miles or less per year on your car, but some companies only offer the discount if you drive less than 7,500 miles each year. If you want to qualify for this dicount, but your mileage is too high, you can implement some smart strategies to reduce your car mileage without adding to the cost of transportation.
The first step is to find ways to share rides that you take every day, such as to work. You should also make an effort to walk instead of drive for errands, such as running out for a gallon of milk. Over a year, trips like this can really rack up the mileage.
It generally takes about one hour to walk three miles. If you have a store withing a mile or so, walking your errands can improve your health, cut down on car repair costs by reducing wear and tear, and save you money by helping you qualify for a low mileage discount.
On average, people who drive less have fewer accidents. That allows the insurance company to lower your rates. Given that most accidents happen within a mile of home, you may even save yourself the trouble of an accident claim.
Although we do our best to offer you accurate and current auto insurance advice, we are not responsible for any negative consequences you may encounter after reading this advice. Insurance problems are often complex and can hinge on facts not provided in your submitted question. For this reason, you should not use this advice as a basis for any decision. We provide these answers for information purposes only, with the intention of steering you towards making your own conclusions about how to act or refrain from acting. Because we are not lawyers, no information on this site should be used as legal advice.
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