[tristor]

Same here, been WFH since 2015, however I did do a lot of driving for other reasons previously. Since 2022 however I drive less than 7000 miles a year, and that includes a family road trip each year for the holidays that is ~2500 miles round-trip. One thing that bothers me is that insurance is getting extremely expensive where I live, even though I hardly drive and my car is garaged year-round due to the greatly increasing amounts of vehicle theft. I've considered a few times just not having a car and renting a car regularly, but services like ZipCar have pretty much died out and I don't live in a city center where they still sometimes exist. I drive on average just once per week, if I could that for a fully-laden cost of less than $500/mo it would be cheaper to rent than buy, but it doesn't seem like there's anyone that's captured this market.

[LeifCarrotson]

I can call my insurance agent and take a vehicle (seldom-used winter beater truck in the summer, or seldom-used summer car in the winter) on or off the road at a whim, prorating my premium appropriately.

That sucks for usability, but I wonder if there exists a market for 'smart insurance' where I can log into a webpage or use an app to put it on or off a car.

But the real answer, I think, is getting a quote for your actual mileage. You're driving 7000 miles a year and being lumped into a risk group with people who are driving two or three times as much:

https://www.fhwa.dot.gov/ohim/onh00/bar8.htm

Unfortunately, I've found that mileage doesn't have a big impact on my premiums.

[njarboe]

Do you have full coverage on your car? You should consider dropping that. Vehicle theft should not be increasing liability costs that much.

[tristor]

I am required to carry full coverage because my car is financed. Even when I've paid a car off, I still carry full coverage, because liability-only policies tend to not help in my past experiences mostly due to the absolute epidemic of uninsured/unregistered cars on American roadways.