If you own a car but commute to work on the MTA, should you pay less for NYC car insurance? Yes, you should.
Most American drivers carry commuter car insurance policies, which means their car is their primary means of transportation. They use it every day to get to and from school or work.
A minority of drivers have what’s referred to as “pleasure use” car insurance policies, which mean the driver commutes to work on public transit or on a bike and only uses their car for occasional essential trips.
Because pleasure use drivers have a much lower risk of getting into an accident, their rates are much lower, on average, than drivers with commuter car insurance policies. Less driving during rush hour, when the most cars are on the road, means a smaller chance of an accident.
So yes, if you’re an MTA commuter, you should pay less for NYC car insurance. Whether or not you actually will depends on the insurance company.
Before you purchase an auto insurance policy, you fill out a questionnaire. One of the most important questions has to do with the number of miles you drive the insured vehicle every year. The number you put down has a huge impact on what you’re likely to pay in monthly insurance premiums.
Ask your insurance company about their mileage threshold. You may be able to qualify for lower rates by increasing the number of miles you commute on the MTA — taking out a driving leg of your commute and replacing it with a bus or a bike, for example — or you may need to switch to a different insurance company to see any meaningful discount.
You won’t know until you find out about your company’s mileage threshold.
TSC Direct provides mass-transit commuters with the lowest rates in NYC—lower than those big national carriers—in almost every case.
Since 1986, our business model and our underwriting guidelines have revolved around only insuring responsible drivers with low risk profiles. We are very selective in who we cover, and mass-transit commuters tend to fit our guidelines best.
We cover drivers in Queens, Manhattan, Brooklyn, the Bronx, and Staten Island as well as in Nassau and Suffolk counties.
Get a quote and see how much you can save by switching to TSC Direct!