If you don't use your car often, there are several ways to reduce the cost of your car insurance. Here are the criteria to consider to pay the right price.
Do you only use your car on weekends?
Do you prefer public transport or teleworking?
Do you drive less than 10,000 kilometers per year?
👉 You are probably one of the low-mileage drivers.
Good news: some insurers offer contracts or rates adapted to drivers who use their vehicle infrequently. By choosing a plan suited to your actual usage, it's often possible to reduce the cost of your car insurance without sacrificing essential coverage.
Here's how to optimize your contract.
What is a low-mileage driver?
There is no single legal definition.
In practice, a low-mileage driver is generally someone who drives less than 8,000 to 10,000 kilometers per year, depending on the criteria used by the insurer.
This particularly concerns:
- people who work remotely;
- retirees;
- owners of a second vehicle;
- drivers who primarily use public transport.
Why can a low-mileage driver pay less?
In insurance, the premium is calculated based on the level of risk.
👉 The more a vehicle is driven, the higher the probability of being involved in an accident.
Conversely, a driver who drives infrequently generally presents a lower risk, which can allow some insurers to offer more advantageous premiums.
Is mileage-based insurance a good solution?
Some companies offer so-called "pay-per-mile" or "low-mileage" contracts.
The principle is simple:
- you choose an annual mileage package;
- or your premium is adjusted according to your actual usage.
Depending on the contracts and your profile, this solution can lead to savings of up to 20 to 30% compared to traditional insurance.
Adapt coverage to your vehicle's value
Mileage is not the only factor influencing the price.
If your vehicle is old or has a low value, it may be relevant to review the subscribed guarantees.
For example:
- a third-party only policy may be sufficient for some older vehicles;
- an intermediate policy can offer a good compromise between protection and budget.
👉 However, each situation must be studied individually to maintain appropriate coverage.
Verify your declared mileage
When subscribing, it's important to accurately estimate your annual mileage.
Voluntary underestimation can lead to difficulties if you significantly exceed the package provided, according to the terms of your contract.
👉 It is therefore preferable to declare a realistic use of your vehicle and to report any significant changes to your insurer.
Play on the deductible
The deductible amount also influences the premium.
By accepting a higher deductible, it is sometimes possible to reduce the annual cost of your insurance.
👉 This solution can be interesting if you drive infrequently and have a good driving history.
However, you must be sure you can afford this deductible in the event of a claim.
Bundle multiple contracts
Many insurers offer discounts when multiple contracts are bundled with them.
For example:
- car insurance;
- home insurance;
- supplementary health insurance;
- legal protection.
👉 This solution often allows you to benefit from interesting discounts while simplifying the management of your insurance policies.
Maintain a good bonus
The bonus-malus system remains one of the main pricing criteria.
By driving carefully and avoiding at-fault accidents, you gradually improve your bonus coefficient.
👉 In the long term, this can represent significant savings on your annual premium.
Regularly compare offers
The insurance market is constantly evolving.
New contracts or offers may appear each year.
Comparing several quotes often allows you to:
- check the competitiveness of your current contract;
- benefit from better-suited coverage;
- reduce your premium.
Mistakes to avoid
❌ Only choosing the cheapest contract
❌ Deliberately underestimating your annual mileage
❌ Keeping a comprehensive policy for a low-value vehicle without real justification
❌ Forgetting to update your contract when your usage changes
❌ Neglecting essential guarantees to save a few euros
Why use a broker?
Every driver is different.
A low-mileage driver will not have the same needs depending on:
- their age;
- their vehicle;
- their place of residence;
- their insurance history;
- their annual mileage.
👉 A broker can compare several companies to identify the solution offering the best balance between coverage, services, and premium.
Have your car insurance reviewed with KT ASSURANCE
At KT ASSURANCE, we help individuals find car insurance tailored to their profile and actual vehicle use.
We analyze, in particular:
- your annual mileage;
- your bonus-malus;
- the value of your vehicle;
- your coverage needs.
Our goal is to offer you suitable coverage, without making you pay for guarantees you don't need.
Request your personalized quote
Do you use your car infrequently and want to reduce the cost of your car insurance?
👉 Fill out our quote request form.
Our advisors will study your situation to offer you a solution adapted to your profile, your vehicle, and your budget.
KT ASSURANCE supports you in finding efficient car insurance at the right price, adapted to your daily use.