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Mileage Based Insurance Looks Promising

Insurance Pricing Can Cut Gas Use - Brookings Institution (12/22/2009)

The Hamilton Project at the Brookings Institute estimates that a widely applied mileage-based car insurance will lead to an 8 percent reduction in miles driven, which means 5 percent less oil consumed and 2 percent fewer carbon emissions. The social benefits is estimated to be between $50 billion and $60 billion per year.

Such pay-as-you-drive car insurance can save drivers money as they spend less on gas. Regarding insurance premiums, roughly two-thirds of households would end up paying less amount -- this is a lot more equitable comparing with the current lump-sum car insurance, in which low-milage drivers (who tend to be low-income people) subside insurance costs for high-mileage drivers.

So the proposal is efficient, equitable, and environmental friendly. Some may be concerned about the reduced gas tax revenue for transportation funding. But the current gas tax system has been broken already and waiting a fundamental overhaul. A mileage-based car insurance, if applied earlier, may ease our move into a mileage-based transportation tax system.

Related articles:
Pay-As-You-Drive Legislation is a Win-Win - Brookings Institution (02/12/2009)
Pay-As-You-Drive Car Insurance - Brookings Institution (Spring 2008)

(I thank my colleague Ferrol for providing the link.)

Comments

Keeping your mileage down is one of the easiest ways to save money on your car insurance premiums. When getting a quote be sure to ask how many miles you can drive a month before your rate goes up. It may pay you to car pool with a co-worker a day or two to get the savings.

This article gives a few more easy ays to get the lowest car insurance rates possible.Lowest Car Insurance Rates

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