India, June 27 -- A car that spends more time parked than on the road still needs the right protection. Many owners use their vehicles only for office runs, weekend errands, school drops, or occasional family visits.

When annual driving stays below 5,000 km, choosing car insurance should be less about buying the most expensive cover and more about matching the policy to real usage, risk, vehicle age, and claim needs.

Start by checking how much you actually drive in a year. Review your odometer reading, service records, fuel usage, and regular travel routine. A realistic mileage estimate helps you avoid over-insuring or under-protecting your car, especially when your driving is limited and predictable.

Pay-as-you-drive plans can be usef...