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A help to millions of drivers, burdended by overbearing car insurance costs is on the horizon, and could be a reality very soon.Pay-as-you-drive car insurance, a idea that allows motorists to purchase coverage on a per-mile basis, is getting lots of attention as one answer to rising gas prices and growing commuter traffic.With the pay-as-you-drive concept, insurers will factor in such criteria as your driving history, vehicle type and geographic into a per-mile price, which will range between 2 cents and 10 cents a mile. Your mileage readings will be recorded with onboard sensors in cars or odometer readings.People in favor of the plan say that if drivers could save on premiums by reducing distances driven, instead of paying a large annual or semiannual policy charge, whether the miles are driven or not, drivers would probably take fewer trips, or more likely use other means of transportation.Several findings have determined the idea could reduce overall driving by around 10 percent.Says Dean Baker, director of the Center for Economic and Policy Research, in Washington, D.C., “It’s almost a no-brainer when you look at reducing gasoline use and conserving oil.”The state of New Jersey has never looked into a “pay-as-your go” car insurance premium idea, even though it boasts the country