If you live in Albany, New York or the surrounding areas, then you may wonder about your insurance options. Selling your car may mean that you only drive it occasionally and that you do not need the same amount of coverage that you would want if you were often driving it for work or other needs. Fortunately, you can find insurance options for infrequent driving that is affordable and appropriate for your needs until after you sell the vehicle.

Discounted Auto Coverage

A simple plan to obtain a cheaper policy in Saratoga Springs or Schenectady is obtaining a basic plan and asking for a discount. A discount will reduce the monthly cost without causing problems for your coverage needs. It simplifies the process of obtaining proper coverage without taking risks that you will not have enough protection.

Pay-As-You-Go

Another option if you want you car temporarily covered until you can find a buyer is obtaining a pay-as-you-go plan. Instead of paying for six months or obtaining coverage for a long period of time, you will pay one month at a time as you need the plan. It is easy to stop your coverage whenever you sell the vehicle and you will not lose any funds that you’d paid previously since it was a plan that specifically caters to your particular needs and hopes.

Finding a cheaper way to cut back on your insurance cost when you only drive the vehicle occasionally starts with identifying the options that are available. Whether you decide to opt for a pay-as-you-go plan or a discounted rate depends on your goals and needs. To learn more about your options and the methods of cutting back on the price, contact us to talk to an independent agent.