Simple risk assessment determines that the less you travel in your car, the less likely you are to have an accident.
Most insurance policies therefore base their quotes (unless stated otherwise) on a 12,000 or 15,000 miles per year average. You can determine this yourself and apply a cap on your policy at 10,000 or even 5,000 per year.
If you can do this and can abide to a set mileage, make sure you A, inform the insurer when asking for a quote and B, not go over the amount of miles you have set yourself. This money-saving tip is best for families with multiple cars.
