I've been working remotely for a while now, and honestly, my car spends more time parked in the driveway than actually on the road. Feels kinda silly paying full price for insurance when I'm barely driving, you know? Heard about these usage-based or pay-per-mile insurance options and wondering if they're worth it. Anyone here switched over recently or have experience with these companies? Curious if it's actually saving you money or just sounds better on paper...
I've seen a few people switch over to pay-per-mile, and yeah, it can save money if you're barely driving. But one thing to keep in mind—insurance isn't just about mileage. Even parked cars can get damaged (storms, theft, random neighborhood mishaps...), so make sure the coverage still fits your comfort level. Might be worth double-checking the fine print before jumping in. Have you compared quotes yet? Curious if the savings are significant enough to justify the switch.
Good points about coverage beyond mileage, but I'm wondering—wouldn't comprehensive coverage still apply even with pay-per-mile? From what I've seen, the mileage factor usually affects liability and collision more directly. I drive my classic car sparingly, mostly weekends or meets, and I've considered pay-per-mile myself. But then again, classic car insurers already factor in limited use. Have you looked into specialty insurers instead? Might be another angle worth exploring before committing.
"Have you looked into specialty insurers instead? Might be another angle worth exploring before committing."
Good suggestion on specialty insurers. I've had classic cars for years, and honestly, specialty insurers have always worked out better for me than regular pay-per-mile plans. A few years back, I briefly considered switching to pay-per-mile because I wasn't driving my '68 Mustang much—mostly just weekend cruises or local meets. But after comparing quotes, the specialty insurer still came out ahead, especially since they already factor in limited mileage and offer agreed-value coverage.
One thing to keep in mind is that comprehensive coverage usually stays consistent regardless of mileage, like you mentioned. The real savings with pay-per-mile seem to come from liability and collision, but if you're already driving sparingly, the difference might not be huge. I'd definitely recommend getting a quote from a specialty insurer first—might save you some hassle down the road.
Good suggestion on specialty insurers. I've had classic cars for years, and honestly, specialty insurers have always worked out better for me than regular pay-per-mile plans.
Specialty insurers sound interesting, but I'm guessing they're mostly good for classic or collector cars, right? I'm just driving a basic sedan, nothing special—just trying to cut down on unnecessary expenses. Did a quick quote comparison last night, and pay-per-mile seems cheaper for my situation since I'm barely hitting 50 miles a week lately. Still gotta read the fine print tho...don't wanna get stuck with hidden fees or something.
