The Different Tiers of Mileage

Options to Reduce Car Insurance Premiums for Long Commutes

Increasing your deductible: Raising your
deductible
lowers your insurance premium. The following information highlights the percentage difference per year, according to the state, between a deductible of $500 and $1,000.

Driving less often outside of work: Cutting your driving time outside of work represents a good way to reduce the number of miles you drive. This might not work, though, since car insurance companies tend to look at the overall length of a trip as opposed to the actual number of miles driven overall. Check with your agent to see if your insurance company gives any leeway, especially if you only commute a long distance occasionally.
Carpooling:
Carpooling
also represents a way to cut the total distance you drive on a regular basis, which should reduce your premiums. If you carpool enough, you might even qualify for low-mileage
discounts
, which typically kick in at around 5,000 miles annually, though individual car insurance company limits could be higher.

The Best Type of Car Insurance for Commute