I called my insurance company to see if I could reduce my rates if I'm commuting by bike now -that was a no go. But they pointed out if I want to put my car in storage for the summer (when I'm off work, as a teacher), that would reduce our rates. I can't ditch the car entirely because when there's lightening or ice, I want it. But in summer, I don't need to go anywhere on a timetable, I think I could make that work.
It's hit and miss if insurance will have something good for low mileage usage, and even then it has to work with your vehicle and be available in your state.
I have Traveler's Insurance (not to be confused with the type of insurance) and they have a thing that's more geared towards young drivers, but works in my favor. It uses a GPS tracker to count the mileage on my car and gives a discount the next year depending on how many miles I drove. The first year of enrollment you get some sort of discount too.
Progressive also has a similar program, though it doesn't work with my car.
Metromile is another newer company who markets themselves to bike commuters. Same concept as above, GPS tracker, but they are a pay by the mile company, so you can see a direct relationship of the number of miles you drive to how much it costs. My problem has been three fold so far
1) my car sucks at getting quotes, seems like no matter how I start the quote, as soon as I get to the final stage and input my VIN it sky rockets, not sure what it is about my particular car, I would have thought the 2002 BMW 525i would have given an accurate quote, but it seems to always be a bait and switch. This isn't just a metromile problem, it has been a Tarveler's, Progressive, Geiko, Metromile problem.
2) Metromile doesn't have house insurance partners, at least not the last time I checked, and the savings would have been eaten up by the penalty for not having my car insurance through them
3) They don't allow me to exclude my wife from the policy, even though she doesn't have a driver's license, because they aren't setup to allow that in Oregon yet.
Depending on your amount of miles driven, the 3000-5000 seems to be sort of the range they target for. If you drive 3000 or less, then perhaps a pay by the mile may be worth it. You pay a monthly fee, then pay a couple cents per mile with a daily cap. For instance, Metromile may be $20/mo +$0.03/mi and a daily cap of 100 mi. Going over the daily cap means you just pay for 100mi, even if you drive 200mi. This is ideal for someone who would do essentially all errands by bike, but may take the occasional road trip on the weekend.
Hope this helps.