How can I get cheap car insurance for a vehicle I don't drive very often?

I have two cars. One I use for commuting and errands; the other I use far less. The annual mileage for the latter is about 3,000 miles and it's the most expensive car on my policy. It is financed and I'm wondering how I can get cheaper insurance on it since I don't drive it very often.

Answer provided by
Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Regardless of how often you drive a financed vehicle, most lenders require that you carry both collision coverage and comprehensive coverage. This is often more expensive than liability insurance only.
Since you aren’t driving this vehicle very often, you could be eligible for discount programs with various carriers. Most carriers offer some kind of low-mileage discount. Often this will require you to download an app or plug in a device in your vehicle.
The best way to find cheap car insurance is to shop around. If you aren’t happy with the rate your current carrier is offering, take a look at other carriers in your area. You may be able to find a more affordable option or qualify for discounts with other carriers. “

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