### Finding the Cheapest Auto Insurance
h4>Consider Usage-Based Insurance
Usage-based insurance (UBI) programs, such as pay-per-mile or pay-as-you-drive plans, can offer significant savings for low-mileage drivers. These programs use telematics devices to track driving behavior and mileage, rewarding safe and infrequent drivers with lower rates. For instance, Nationwide's SmartRide program offers up to a 40% discount for safe driving habits2.