When it comes to car insurance, many drivers often overlook the significant differences between coverage options tailored for frequent drivers and those for occasional or infrequent drivers. If you’re someone who doesn’t spend much time behind the wheel, you’ll want to consider insurance companies that cater to your specific needs. Here’s a look at the best car insurance companies for drivers who drive less frequently.
1. Metromile
Metromile offers a unique pay-per-mile insurance model, which can be incredibly beneficial for low-mileage drivers. Instead of paying a flat rate, you pay a base rate plus a small fee for every mile you drive. This allows infrequent drivers to save significantly compared to traditional insurance plans. Additionally, Metromile provides a mobile app that helps track your driving habits and can even assist in filing claims.
2. Nationwide
Nationwide’s SmartRide program rewards safe driving and lower mileage with discounts on premiums. This program tracks your driving behavior through a device you plug into your car, providing insights and potential savings for responsible drivers. If you drive less frequently, you could see a significant reduction in your insurance costs.
3. State Farm
State Farm’s Drive Safe & Save program offers personalized discounts based on your driving habits. For infrequent drivers, this means that with limited time on the road, you can take advantage of lower rates. Additionally, State Farm is known for its excellent customer service and claims process, making it a reliable choice for drivers who may only need insurance for occasional trips.
4. Geico
Geico is a well-regarded insurance company with a variety of policies tailored to infrequent drivers. Their low rates and straightforward claims process make them an appealing option. Moreover, Geico offers a variety of discounts, including those for low mileage, which can help reduce your monthly premium even further.
5. Progressive
Progressive’s Snapshot program is another great choice for infrequent drivers. By using a device to track your driving habits, you can earn discounts if you drive less frequently and maintain safe driving practices. Progressive is also known for offering flexible coverage options and affordable rates, catering to a diverse range of drivers.
6. Allstate
Allstate’s Milewise program is designed specifically for low-mileage drivers. This pay-per-mile insurance option allows you to pay based on the number of miles you drive, ensuring you’re only paying for the coverage you need. Additionally, Allstate offers numerous discounts, including ones for safe driving and bundling policies.
7. USAA
If you are a member of the military or have a family member who is, USAA offers some of the best rates and coverage options for infrequent drivers. They are praised for their excellent customer service and competitive pricing. USAA also provides additional benefits like accident forgiveness and guaranteed repairs, making it a great choice for those who drive less.
Conclusion
Choosing the right car insurance as an infrequent driver can lead to considerable savings while ensuring you have appropriate coverage. Companies like Metromile, Nationwide, and Progressive understand the unique needs of occasional drivers and offer tailored solutions to help you save. By comparing the available options and considering pay-per-mile policies, you can find the best car insurance company to meet your needs and budget.
