If you live in the US, and more importantly not in a highly developed urban area, you are pretty much guaranteed to need a car. Even if you work nearby or from home, you'll likely still need to go shopping, visit friends, go to doctors appointments, and so on.
For those of us that don't drive very much, a hefty insurance premium can seem like a waste of money. That's why companies are beginning to appear that are offering an insurance premium that changes every month. Instead of a flat fee, the price comes from the number of actual miles driven. Studies show
that the more miles a driver covers, the more likely a vehicle is to be involved in an accident.
Using this logic as a basis for a business plan, pay-per-mile insurance assumes that you as a driver or less of a risk if you spend less time on the road.