How to Save on Auto Insurance as a Low-Mileage Driver

With the rise of remote work and fewer commutes, more drivers are clocking fewer miles than ever. Whether you’re working from home, retired, or just hitting the road less often, your low mileage could mean big savings on your auto insurance with MapleCoverage.

Why Mileage Matters for Your Insurance Premiums

Insurers calculate premiums based on various factors, and mileage is a big one. The logic is simple: the more you drive, the higher the risk. So if you’re a low-mileage driver, you’re generally seen as a lower risk, which many insurers reward with lower premiums. Here’s how MapleCoverage can help you maximize those savings.

1. Pay-Per-Mile Insurance: Pay Only for What You Use

If you’re driving less than 7,500 miles a year, pay-per-mile insurance might be right for you. With this type of policy, your premium is based on a small monthly base rate plus a per-mile rate. For example, if your per-mile rate is $0.05 and you only drive 500 miles a month, you’ll add just $25 to your base rate. Ideal for remote workers, retirees, or anyone with reduced driving needs, this approach lets you pay only for the miles you drive.

2. Telematics: Let Your Driving Speak for Itself

Telematics-based insurance tracks your mileage, speed, and driving habits through a device or smartphone app. Safe, low-mileage drivers are rewarded with discounts that can add up over time. For instance, if you drive safely and stay under 5,000 miles a year, you could save between 10-30% on your premium.

3. Low-Mileage Discounts: An Easy Way to Save

Even without a telematics or pay-per-mile program, MapleCoverage offers discounts for those who drive less. Just report your mileage annually to qualify for savings, and if you’re below the threshold (usually under 7,500 miles a year), you can enjoy lower rates simply for driving less.

Who Benefits the Most from Low-Mileage Insurance?

Low-mileage insurance isn’t just for a select few. It’s ideal for anyone whose driving habits have changed, including:

• Remote workers who skip the daily commute.

• Retirees who drive only occasionally.

• Frequent travelers who leave their car parked for long stretches.

• Urban drivers who rely on public transit but keep a car for weekend use.

The Bottom Line

Why pay the same premiums as a daily commuter if you’re barely on the road? With MapleCoverage, you get the flexibility to save with options like pay-per-mile policies, telematics tracking, and low-mileage discounts. Start saving today by choosing a policy that fits your actual driving habits!