Many of us tend to get annoyed when it comes to car insurance. The mandatory nature of this service and the constantly rising premiums are surely a reason to be annoyed. Some drivers go to the extent of dropping coverage altogether and driving without any coverage. But that's certainly a bad solution, and you realize it when either the police ask you for the insurance policy or you end up in an accident. Still, there are many ways in which you can lower your rates without making poor decisions. There are many articles giving you some cost-optimization car insurance tips that you will certainly find useful. But there's one simple fact that most of them tend to overlook: the less you drive the cheaper is your car insurance.
Yes, there's a direct relation between car insurance rates and mileage and it's an obvious one. The more you drive the more you expose your car to the risk of collision and the more likely it is of your insurer to receive an insurance claim. So if your average yearly mileage is too high you will likely get higher quotes for the same policy as your peers that drive less. And if your mileage is way below the average - expect good cuts in your premiums. Most companies even have special discounts for drivers that keep their mileage below 10,000 miles per year, so if you happen to be one of them your car insurance will be more affordable.
Still, if you find it hard to keep your yearly mileage at a reasonable level, there are certain things to consider first. Of course, in case you live dozens of miles away from work or have to travel a lot during your working hours, it's not very smart to leave your car in the garage. But if you live within a mile or two from your workplace or can take public transportation there, why accumulating extra mileage? You will surely benefit from walking a mile or two to your work or the grocery store, since doctors recommend walking some distance by foot every day. If you're working together with your locals and all have cars, car-pooling would the best solution for all of you in terms of gas and mileage. Things like these may seem insignificant on a daily basis but when you check your yearly mileage they can result in thousands of extra miles. So make sure to take all the necessary measures to optimize your vehicle use and as a result your car insurance costs will surely decrease.