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Pay-Per-Mile Insurance
— Smart Savings for Low-Mileage Drivers

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Only pay for what you use. Drive less, save more — with COVER AI.

Pay-per-mile insurance is the perfect solution for drivers who don’t spend much time on the road. Whether you work from home, use public transportation, or only drive on weekends, COVER AI helps you save money by charging you based on the miles you drive — not a flat monthly rate.

What Is Pay-Per-Mile Insurance?

Pay-per-mile insurance combines:

Coverage Type
What It Covers
Base Rate
A low fixed monthly fee for basic coverage.
Per-Mile Charge
A small additional charge based on the exact miles you drive each month.

Example: Drive 300 miles/month → Pay less. Drive 1,000 miles/month → Pay a bit more — but still less than a traditional policy.

Coverage Type
Base Rate
What It Covers
A low fixed monthly fee for basic coverage.
Coverage Type
Per-Mile Charge
What It Covers
Repair or replacement costs for damaged vehicles, buildings, fences, etc.

Example: Drive 300 miles/month → Pay less. Drive 1,000 miles/month → Pay a bit more — but still less than a traditional policy.

Why Pay-Per-Mile Insurance Is a Game-Changer

Perfect for Low-Mileage Drivers

If you drive less than ~10,000 miles/year, you can unlock major savings.

Full Coverage, No Compromise

Enjoy the same protections as a regular policy: liability, collision, comprehensive, uninsured motorist, etc.

Fair, Transparent Pricing

You control your costs — drive less, pay less.

Smart Tech Tracking

Miles are tracked automatically via a device or mobile app — no paperwork.

Who Should Get Pay-Per-Mile Insurance?

  • Remote workers or home-based professionals
  • Students or retirees who drive occasionally
  • City dwellers using public transit or biking
  • Households with multiple cars but low usage
  • Anyone wanting to cut car insurance costs without losing protection

Why Choose COVER AI ?

  • Personalized pay-per-mile quotes to maximize your savings
  • Easy setup with simple tech — no hassle
  • Transparent, flexible, customer-first approach
  • Support from experts who explain everything clearly

Frequently Asked Questions

How do you track my miles?
We provide a small plug-in device or mobile app that automatically records mileage — easy and secure.
Yes, but only slightly. You still get fair per-mile pricing, and you only pay more when you drive more.
No — you get the same great COVER AI protections, just with smart billing.
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Ready to Save Money?

Why pay full price when you drive less?
Get a free, no-obligation quote from COVER AI today and start saving.

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Call us:
+1 (312) 395-0872
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Cover AI LLC Insurance Agency License No: 3003609556

E&O Insured by biBERK, Berkshire Hathaway | Surety Bond: Travelers $50,000
3400 Dundee Rd, Suite 150, Northbrook, IL 60062

info@coverai.net

+1 (312) 395-0872

Get a Quote

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