No, Progressive does not offer any specific discounts for low mileage. The term low-mileage car insurance or limited-mileage insurance is a bit of a myth. Most insurance companies won't base their car insurance rate solely on mileage. In fact, many insurance companies ask about mileage and consider it, but they may not put much emphasis on it.
One reason could be that drivers often overestimate and underestimate how much they drive. As a result, most insurers don't offer pay-per-mile options or discounts for drivers with low mileage. When you have a clean driving record, you're likely to get the lowest possible rates for your circumstances. However, including a driving violation in your motor vehicle (MVR) registry, such as a speeding ticket or accident, will likely result in an increase in your fare for a couple of years.
For example, a speeding ticket will increase your rate, on average, by 21 percent in Maryland. If you cause an accident at fault, the average cost of car insurance in Maryland increases by 51 percent. Having a conviction for drunk driving could cause rates to increase by an average of 85 percent in Maryland. What is Snapshot? Snapshot, Progressive's Pay As You Drive program, is a type of usage-based insurance.
After you sign up, you can get a personalized discount on car insurance by driving less, more safely, and during safer hours of the day. The better you drive, the more you can save, up to 30 percent. These average rates may not reflect how much each individual Maryland driver will pay for car insurance. According to the Insurance Information Institute, metropolitan areas are also likely to have higher auto insurance rates.
Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate. But if you live in Columbia or Germantown, you could pay about 7 or 8 percent less than the average cost of car insurance in Maryland. Drivers with excellent credit could save about 14 percent, while those with bad credit could pay up to 63 percent more than the average cost of car insurance in Maryland. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.
Comparing prices and comparing quotes could help you find the cheapest car insurance company in Maryland for you. The age of your car may affect the overall insurance rate, but a higher or lower reading on the odometer isn't something insurers generally use to set rates. Then, when you renew your policy, we'll finalize your driving summary and you can keep saving while you're insured by Progressive. It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance.
Auto insurers may not offer a direct discount for driving fewer miles, but some may offer usage-based insurance programs that could lower the rate as a reward for driving safely and less in general. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.