On December 2, 2010 California Insurance Commissioner Steve Poizner announced that he had approved the first ever pay as you drive insurance program.

According to Poizner the cutting-edge program will reward motorists who voluntarily drive less miles with inexpensive auto insurance rates. The Commissioner approved filings by the Automobile Club of Southern California and State Farm Insurance to offer this kind of coverage to customers.

Poizner went on to say “The voluntary pay-as-you-drive initiative is an innovative program that will allow insurers to offer plans based on more accurate mileage, so that people who choose to drive less will pay less for auto insurance.” Poizner also mentioned that he hopes that other insurers will follow suit.

This recent approval will pave the way for more and more companies to offer pay as you drive programs. Although these are exclusive programs to the above mentioned carriers there are several other ones similar to them that already have been offering lower rates to those who driver less miles. Purchasing auto insurance for these types of programs can be quite difficult but it helps to use online services such as 2autoinsurance.com to get quotes and compare prices of the various carriers that are available.

Although these types of plans may help many acquire a lower premium on their policy, it is always important to compare auto insurance prices from as many companies as possible to make sure that you actually do find the cheapest rate available. Most people who just quote 1 or 2 companies end up paying a lot more than those who look into many more carriers before actually signing up for coverage.

Going online and getting car insurance quotes form 2autoinsurance.com one of the easiest ways to go about finding the most affordable coverage plans. You can view rates from up to fifteen of the most highly reputable companies and choose for yourself which one you want to go with.

When you are applying for insurance always answer the underwriting questions as accurately as possible to ensure that you get the lowest rate. This is especially true when it comes to listing the amount of miles that you drive each year. Insurance companies will usually charge higher premiums to drivers who put a lot of miles on their vehicles every year. This is because they are more likely to be involved in an accident with other motorists since they spend more time on the road every year as opposed to those who put minimal mileage on their car or truck.

Those who do not use their vehicle that much and are not on the road as often can usually get a rate reduction. They may be required to show proof of mileage to do this but it can save hundreds of dollars per year. Keeping receipts for oil changes and other vehicle services that logs you odometer reading is a great way to do this. Be sure to submit these papers to your carrier to see if they can give you a discount on your coverage since you fall into the low risk category when it comes to mileage.