Here at Accident Data Center, since our focus is providing data about crashes across the nation, we have learned that every single accident involves an insurance policy. We all know we need insurance, but for all of the low-mileage drivers out there, it doesn't seem fair to have to pay the same amount as higher-mileage drivers.

Why pay the same prices for the same coverage as higher-mileage drivers?

The number one risk indicator for drivers is how often they’re on the road. Yet most insurance policies cost a set premium, regardless of how often or how far you drive. For an average driver or commuter who puts daily miles on their car, this makes sense. But it does not make sense for an urban driver who uses mass transit, telecommutes, carpools, or drives infrequently.

So if you drive less, you really should pay less for insurance. How can you save hundreds of dollars per month?

You have a great new option – Pay As You Go Car Insurance

With per-mile insurance, you pay a low monthly base rate, plus a few cents per mile when you drive. At the end of the month, your bill is your base rate plus how many miles you drove at your per-mile rate. Simple, and significantly less expensive.

Does Pay-Per-Mile Coverage provide the same protection as traditional policies? Absolutely.

One of the best things about Pay-Per-Mile coverage is that all of the traditional types of coverage are available – at great cost savings.

• Liability
• Bodily Injury
• Property Damage
• Under-Insured/Uninsured Motorist Coverage
• Collision
• Comprehensive
• PIP/Medical Payment Coverage
• Rental Reimbursement
• Emergency Roadside Assistance

Don't drive much? Why pay much for car insurance?

If you are a low-mileage driver or urban driver who typically drives less than 10,000 miles per year, take a moment to evaluate your insurance needs, review what policy you have in place, and then learn more about how you can get the same insurance coverage while saving hundreds of dollars per month.

Switch to pay-per-mile insurance and you could save over $500!