Purchase a usage-based policy. If you don’t drive frequently, usage-based policies may be available. These may use an electronic device or telematics to monitor your driving, basing your costs on how much you drive and how safe you are behind the wheel. 

Secure a standard policy, and cancel it when you no longer need it. Although major insurance companies’ policies usually have a six-month minimum, you may be able to cancel it before the term ends when your driving period is finished. Cancellation fees may apply, and having a lapse in coverage may increase your rates in the future. Additionally, you will want to be certain you won’t need to drive while you don’t have insurance, and you will want to review your policy’s refund policy. Car storage insurance may offer a way to reduce your premiums, keep your car covered while it is not being driven and allow you to maintain continuous coverage. 

Obtain non-owner car insurance. This coverage may be a cost-effective way to carry liability insurance if you don’t own a car but regularly drive borrowed or rented cars. It typically functions as secondary insurance, which provides coverage if a claim exceeds the owner’s limits. 

Be added as an insured driver. If you frequently drive another person’s car, you may be able to be added as an insured driver on their policy and subsequently be removed when you are finished. This may increase the premium for the policyholder, and the policyholder’s insurance may be impacted if you are in an accident.  

Get a low-mileage policy. This type of policy may be an option if you seldom drive. These are often cheaper than standard policies, but you will want to ensure you review the mileage limitations associated with this type of insurance. 

Explore discounts for distant college students. If a college student lives more than a set distance away (e.g., more than 100 miles) from their parents/guardians, and they only drive while at home on breaks, they may qualify for a discounted rate while remaining on their parents’/guardians’ policy.