Yeah, specialty insurers are great if you've got something fancy parked in the garage, but for us regular sedan folks, pay-per-mile seems way more wallet-friendly. Just double-check those sneaky fees...insurance companies love their fine print.
I hear you on the fine print—insurance companies can be sneaky with those hidden fees. A buddy of mine switched to pay-per-mile last year, mostly because he started working from home and barely drove anymore. He was pretty skeptical at first, but it ended up saving him a decent chunk each month. He did mention that if you suddenly have to drive more than usual, it can creep up on you, so keep an eye on your mileage...but overall, sounds like you're on the right track.
Sounds like you're thinking it through carefully, which is smart. I've seen plenty of folks save money with pay-per-mile, especially if they're mostly home-based. Just keep tabs on your driving habits and you'll probably come out ahead.
