I own a car, but drive it very limitedly. State law requires that I have insurance. Is there any kind of occasional driving insurance? What would you recommend for liability limits in my case?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: May 10, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Jacksonville, FL

Asked on 05/10/2010

I own a car, but drive it very limitedly. State law requires that I have insurance. Is there any kind of occasional driving insurance? What would you recommend for liability limits in my case? NULL

Answer given on May 18, 2010

Most insurance companies will factor in the amount of time the car is driven, when calculating rates.  Look at the mileage on your vehicle, and divide it by the number of years (or months, if applicable) you’ve had it.  This will estimate your average annual mileage (if monthly, then multiply the result by 12 to get the annual average).  Provide this information to your insurance company, or the companies you’re shopping with, so they can provide a more exact quote.

Liability limits shouldn’t necessarily be recommended by the number of miles you drive, though.  You can cause a serious accident as a low-mileage driver, the same way you can cause a serious accident as a high-mileage driver.  People with more assets to protect generally will choose higher liability limits. However, people with less assets to protect, but who want to avoid garnishments, liens, etc will also choose higher liability limits to try to protect their paycheck and their own income, in case they cause a severe accident.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption