Work from home, use public transit or keep a second car that rarely leaves the driveway? A mileage-based payment plan may be worth comparing with a traditional policy. CAA currently markets MyPace to drivers travelling fewer than 12,000 kilometres a year. CAA’s official overview.

Not driving does not mean paying nothing

MyPace combines a base premium with mileage purchased in 1,000-kilometre blocks. You pay the base amount and first block when enrolling, with further blocks automatically replenished under the plan. Non-kilometre costs remain even during periods when the vehicle is unused. Coverage is not switched on and off for each trip. Ontario MyPace payment details.

Ask for a clear breakdown of the base premium, block price, payment schedule and any applicable charges. Comparing one month’s debit can be misleading if that month includes a mileage reload.

Estimate your actual driving

Include commuting, errands, family trips and longer journeys. Compare estimated annual costs under low, typical and higher-mileage scenarios against a traditional policy with equivalent coverage.

Revisit the comparison if your workplace, household drivers or travel plans change. Low mileage does not guarantee the lowest price, and reaching a particular number of licensed years does not guarantee a sudden premium drop.

Check vehicle and technology requirements

MyPace requires a compatible in-car device; not every vehicle qualifies. Confirm compatibility and installation requirements using the exact vehicle or VIN. Usage can be viewed in the app or online portal, so a smartphone is not the only option. CAA’s Ontario FAQs.

Ask when reloads are charged, how vehicle changes or withdrawal work, whom to contact about incorrect mileage, and what happens to prices and unused kilometres at renewal. Read the current terms supplied with your quote.

Mileage billing and driving scores are different

A mileage payment plan is different from a program that adjusts premiums for braking, acceleration or other driving behaviour. Read the product’s data notice rather than assuming its device records only a total distance.

Compare the actual coverage too: liability limits, deductibles, vehicle damage and optional benefits. A different payment method does not automatically include every endorsement you need.

A-Z Insurance can help compare options for low-mileage driving. Call 905-707-2929 or email info@azinsure.ca. Eligibility, price and terms depend on the insurer’s actual quote.

经常在家办公、主要搭公共交通，或家里有一辆很少开的车？按里程计算部分保费的计划，值得与传统车险一起比较。CAA目前将MyPace定位为适合每年驾驶少于12,000公里的低里程车主的付款计划。CAA官方介绍。

不是“不动车就完全不用付费”

MyPace有基本保费，以及按1,000公里一组购买的里程部分。投保时支付基本保费及首组里程，之后按计划自动补充里程额度。因此，即使某段时间不开车，仍有非里程部分的费用；它不是把保险随每次驾驶自动开关。安省MyPace付款说明。

比较报价时，应要求把基本保费、每组里程价格、付款安排及可能的费用列清楚。不要只比较一个月的扣款，因为某个月可能刚好补充了里程额度。

先估算真实用车量

把通勤、购物、接送家人和长途旅行一起计算。可以分别比较较低、正常和较高用车量下的全年预计成本，再与相同保障的传统保单比较。

如果工作地点、家庭驾驶安排或旅行计划改变，应重新评估。低里程并不保证MyPace一定是最便宜的选择，驾龄达到某个年数也不代表保费必然突然下降。

车辆和技术条件也要核对

MyPace需要兼容的车载设备，并非所有车型都符合条件。使用前应按确切车型或VIN确认兼容性及安装要求。里程可以通过App或网上账户查看，智能手机并非唯一途径。CAA安省常见问题。

同时询问：自动补充里程何时收费？换车、退出计划或长期停驶如何处理？里程记录有误时找谁？续保时价格及未使用里程怎样安排？请以投保时提供的最新条款为准。

里程计划与驾驶评分计划不同

不要把按里程付款，与按急刹车、加速等驾驶表现调整保费的计划混为一谈。加入前，应阅读该产品的数据收集和使用说明，而不是假设设备只记录总公里数。

保障本身也要逐项比较，包括责任限额、自付额、车辆损失及其他可选保障。付款方式改变，不代表所有需要的附加保障都自动包含。

安众保险 A-Z Insurance 可协助你比较低里程用车的保险方案。电话905-707-2929，电邮info@azinsure.ca。承保资格、价格和条款以保险公司的实际报价为准。