Pay-as-you-go car insurance could be worth it if you don’t drive very often. However, this means that your premiums won’t be predictable. Most pay-as-you-go insurers charge a base rate determined by traditional underwriting criteria, like your driving record, as well as a pay-per-mile charge. Other pay-as-you-go auto insurance companies also adjust your rate based on your driving behavior, such as the time of day that you drive. You’ll need to estimate your annual mileage and do the math to ensure that you’re getting a good deal.