The number of miles that you drive per year can affect your auto insurance rates. Most auto insurers consider a normal number of miles to be anywhere from 12,000 to 18,000 per year. However, not everyone drives this much. You may have multiple cars and one car doesn’t get driven as much. You may work from home. Or you may not work at all. If you drive less than 10,000 to 12,000 miles per year, you may qualify for a low mileage auto insurance policy.

A low mileage auto insurance policy is given to cars or drivers that are not driven often. However, in order to qualify for this discount, you must tell the insurance company approximately how many miles you do drive per year. They may then require you to prove this information, by having an auto shop or police officer sign off on your mileage yearly to ensure you continue to qualify.

This type of policy is a discounted policy. Those who drive less miles are at a decreased risk of being involved in an accident. As such, this minimizes the insurance company’s risk of having to pay out a claim. Because of this, they offer you the discount. However, it is important to note that not all insurance companies will offer this policy to you. Some do not offer it at all and others will only give it to you if you ask, so be sure to ask.

Have you retired? Do you stay at home with your kids? Do you telecommute to work? If so, you may want to inquire about a low mileage auto insurance policy. If you are looking for one, contact NY Twin Bridges Insurance Agency in Albany, NY. Our friendly and knowledgeable employees can help you find the right policy for you.