Author Topic: Low Milage Insurance?  (Read 1667 times)

Cinder

  • Bristles
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  • Location: Central PA
Low Milage Insurance?
« on: April 03, 2013, 09:19:37 AM »
I have a question..

I know a two person family with three cars is very un-mustachian, but I was wondering if anyone had any experience with a low mileage insurance option. 

Growing up, my mother had a car that she would only drive during the summer, for a limited set of dates and times (to keep from getting it 'ruined' with the salt and slush around central PA, etc..), and my dad had some kind of limited coverage that was for either limited months or low millage or something. 

I've asked our current car insurance provider and they said they didn't have anything like that for my situation..  Which is as follows..

We have two daily driver cars (I've been working on biking to work every day and letting the wifey drive my 2008 Prius instead of her 2003 Caviler) .  I have a 2000 Wrangler, 4 inch suspension lift, 1 inch body lift, 34x12.50s.  We have that for the really bad snow we get some times here in central PA.  I also like to do recreational off-roading on occasion.    I live about 2 hours away from most of my family. 

The Jeep gets very low mileage (probably in the range of 2~5k a year or less, but I haven't actually checked). 

Do I give up my big 'toy' and buy a second set of wheels with snow tires for my prius (so I can just jack it up and swap out when the weather is bad)?  The traction control can be pretty annoying, and I wish there was an 'off' button for it in low speed situations where I wouldn't mind if my tires are spinning.

Is there a type of low mileage insurance that I could keep my jeep road legal for?  I don't want to be one of those guys with an awesomely jacked up jeep, but they take it everywhere on a trailer behind their huge trucks.   


trammatic

  • Stubble
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  • Location: Gettysburg
Re: Low Milage Insurance?
« Reply #1 on: April 03, 2013, 01:01:07 PM »
Partially, it depends on your state.  In CA, for example, the insurance law is that you have to have liability coverage to operate your vehicle.  In MD, however, you have to have coverage to maintain registration.  In CA, you could just drop the coverage you weren't using while you weren't driving it...but in MD, you would have to return the tags and then re-register it.

If you wanted to keep it consistently road-worthy, call around for prices.  I know Progressive has a discount for "how you drive", with a microchip that you'd plug into the car and it records the usage.  Not sure how mudding would show up on it, though...