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?

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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...

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UPDATED: May 10, 2010

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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.


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