Auto insurance per km: comparison and advice
Taking out auto insurance is compulsory for all drivers. However, there are a multitude of motorist profiles with different needs. Thus, auto insurance per km was created to meet the expectations of drivers who drive only occasionally. Focus on this type of property and casualty insurance.
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Summary
Auto insurance per km: the definition
Who is km auto insurance for?
What are the advantages of auto insurance per km?
How much does auto insurance cost per km?
What are the best auto insurance per km?
Auto insurance per km: the definition
Car insurance per km, as the name suggests, is insurance that allows you to pay only for the number of kilometers you travel. Originating in the United States, the main characteristic of auto insurance per km is that it is perfectly suited to the use you make of your vehicle.
In general, insurers offer 2 types of auto insurance per kilometer:
Insurance to the nearest mile: offers full customization of your auto insurance. You pay contribution amounts equivalent to the number of kilometers traveled. This type of auto insurance per km therefore requires full vigilance. Indeed, if you decide to travel a long distance by car, this option will no longer be advantageous to you and will no longer be adapted to your profile.
Flat-rate kilometer insurance: this is the most widely used car insurance formula per km. It induces an agreement between you and your insurer including a mileage package that you must not exceed in order to benefit from a reduction in your premium. Note that this mileage package is included in 4,000 and 20,000 kilometers.
To have proof of the kilometers you travel, your insurance company will install a box on your vehicle that will send it the mileage achieved.
Who is km auto insurance for?
Car insurance per km is a type of insurance intended for drivers driving fewer kilometers, on average, compared to other motorists. Several driver profiles can correspond to this situation:
Retired drivers: seniors or retirees rarely and occasionally use their car.
Owners of more than one car: if you own more than one vehicle, you can take out auto insurance per km for the car that is used the least.
Young drivers: Insurers do not hesitate to increase the cost of car insurance for young drivers because they represent a significant risk. To reduce this additional premium, they have the option of taking out auto insurance per km.
Drivers only drive on weekends.
The owners of a motorhome.
Are you wondering if choosing auto insurance by the kilometer can be beneficial to you? Note that it is recommended that you take out this type of auto insurance if you drive an average of less than 8,000 km each year. Likewise, be vigilant, if a secondary driver is linked to your auto insurance, it will increase your mileage statement. You must therefore carefully analyze your situation and your needs before considering taking out auto insurance per km.
To find an auto insurance quote per km that suits you completely, do not hesitate to use an auto insurance comparator. Besides saving considerable time, this tool will allow you to find the cheapest auto insurance per kilometer.
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What are the advantages of auto insurance per km?
Taking out auto insurance by the kilometer offers 2 great advantages:
Contribution payments based on the number of kilometers actually traveled: for short riders or motorists driving only on weekends, auto insurance per km offers the possibility of paying only for the kilometers traveled.
Auto insurance that saves money: young drivers in particular can save money by purchasing this type of auto insurance. With "traditional" auto insurance, they pay a higher than average cost of insurance.
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