3. Be Open To Monitored Driving.
Rather than offering a flat rate, some companies—such as Allstate, Metromile, and Nationwide—will let you pay for auto insurance based on how far you drive your vehicle. This kind of coverage isn’t available in every state, and it does require that you plug a tracking device into your car so the company can monitor your mileage. It can be a short path to lower insurance rates, especially for low-mileage drivers. Insurance companies like Nationwide and Progressive can take the same approach to the next level, too. They’ll send you plug-in devices that not only monitor your driving distance but also analyze your driving habits. Your rates are then based on that data.