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Low Mileage Auto Insurance Discounts
If you've recently switched jobs and started working from home, or relocated into a city with convenient public transportation options, you should look into the possibility of qualifying for a low mileage auto insurance discount.Qualify for a Low Mileage Discount
Insurance rates are based on risk. The lower the risk your auto insurance company perceives you to be, the lower your car insurance rates. Under this logic, lower annual miles on your car means you have a lower chance of being involved in a car accident, thus making you a low-risk driver.
The definition of low mileage varies with each provider, usually falling somewhere between 7,500 and 15,000 miles per year. If your annual mileage rate falls within these figures, you should inquire with your insurance provider about a low mileage discount.
Even if you're unsure of your exact annual mileage, you should consider looking into a low mileage discount if:
- You're a senior driver who is retired. No driving to and from work equates into less annual miles.
- You move closer to your place of work, or begin a home-based business.
- You purchase a second car for running errands. When obtaining coverage be sure your car insurance company is made aware that this is not your primary vehicle.
- You join a car pool, reducing your driving to work maybe once or twice a week.
Pay-as-You-Drive Car Insurance
Pay-as-you-drive auto insurance is a relatively new idea in the United States that for years has been a popular option in Europe.
The basic premise of this policy is that you pay your car insurance provider a per-mile rate, making it ideal for low mileage drivers. Under this plan buying auto insurance is similar to buying gas―the less you drive, the less you spend, or vice versa.
But, because this option is relatively new in the United States, the number of providers offering pay-as-you-drive insurance is currently limited.
Other Auto Insurance Discounts
Besides low mileage, there are many other ways to qualify for an auto insurance discount:
- Get good grades. If you're a student with at least a B average some providers will reward your scholastic efforts with a reduced car insurance rate.
- Have a good credit rating. Statistics prove that drivers with good credit ratings are traditionally low-risk drivers.
- Have a clean driving record. The less number of traffic violations on your driving record, the lower your insurance rate.
- Carry multiple policies. Many providers offer discounts for bundling different insurance policies such as homeowners, rental, and fire.
- Have vehicle safety features. Air bags, automatic seat belts, and anti-lock brakes are looked upon favorably by car insurance companies.
- Install anti-theft deterrents. Some providers offer discounts for car alarms and tracking devices.
Be sure to inquire with your car insurance company about discounts. Some agents might forget to mention them or incorrectly assume you're not eligible for certain discounts.
Additional Car Insurance Information
Have a question about personal injury protection? Or do you need to know your state's car insurance requirements? Visit our Insurance Center for answers to all of your car insurance questions. You'll find not only insurance information for cars, but also for boats, RVs, motorcycles, and commercial vehicles.
In This Section
Other Topics in This Section
- Multivehicle Auto Insurance Discounts
Learn More On Multivehicle Auto Insurance Discounts. Many Insurance Companies Allow You To Save Money On Car Insurance If You Insure Multiple Vehicles On One Insurance Policy.
- Defensive Driving Auto Insurance Discounts
Get Info On Auto Insurance Discounts For Completing A Defensive Driving Course. Some Car Insurance Companies Award Drivers For Learning More On Safe Driving.
- Driver Training Auto Insurance Discounts
How To Get Auto Insurance Discounts For Completing A Driver Training Course. Your Car Insurance Company Might Offer Options To Lower Your Auto Insurance Rates. Get More On Drivers Training.
- Safety Equipment Auto Insurance Discounts
Find out about 10 safety features that could score you a car insurance discount.
- Full Payment Auto Insurance Discounts
Learn More On Full Payment Auto Insurance Discounts. Find Out How To Save Money By Paying Your Insurance Premium In Full. Many Insurance Companies Offer Such An Insurance Discount.
- Low Risk Occupation Auto Insurance Discounts
Learn How A Low Risk Occupation Can Get You Auto Insurance Discounts. Car Insurance Companies Might Lower Your Insurance Rate If You Work In A Safe Environment.
- Auto Insurance Renewal Discounts
Info On Auto Insurance Renewal Discounts When You Keep Your Car Insurance Policy With The Same Insurance Company. Long Time Customers Might Save Money On Insurance Rates.
- Professional Organization Auto Insurance Discounts
Get More On Auto Insurance Discounts For Those In An Approved Professional Organization. Some Car Insurance Companies Will Lower Your Insurance Rates To Save You Money As A Membership Benefit.
- Auto Club Insurance Discounts
Learn More On Car Insurance Discounts For Auto Club Members. Some Auto Insurance Companies Lower Insurance Rates And Offer Money Saving Benefits To Members Of Certain Auto Clubs.
- College Student Auto Insurance Discounts
Info On Auto Insurance Discounts For College Students. Learn How You Can Save Money On Car Insurance If You're Enrolled In School. Insurance Companies Might Offer Lower Insurance Rates.
- Long Time Customer Auto Insurance Discounts
Info On Long Time Customer Auto Insurance Discounts. Car Insurance Companies Often Offer Lower Insurance Rates To Loyal Customers. Find Out How To Save Money On Your Car Insurance Policy.
- Homeowner Discounts On Auto Insurance
Find Out More On Getting Auto Insurance Discounts If You Are A Homeowner. Many Car Insurance Companies Lower Insurance Rates For Those Who Own Their Home. Learn How To Save Money Online.
- Auto Insurance Discounts For Prompt Payment
Get More On Auto Insurance Discounts For Prompt Payment. Car Insurance Companies Often Reward Customer Who Pay On Time With A Car Insurance Discount. Learn How To Lower Insurance Rates.
- Senior Auto Insurance Discounts
Online Guide To Auto Insurance Discounts For Seniors. Many Car Insurance Companies Offer A Senior Discount To Mature Drivers. Find Out How To Lower Insurance Rates.
- Good Student Auto Insurance Discounts
How To Get Good Student Auto Insurance Discounts. Some Car Insurance Companies Reward Students With Good Grades By Lowering Their Insurance Rates. Get Insurance Discount Info Online.
- Discounts For Bundling Auto Insurance Policies
Get Auto Insurance Discounts For Bundling Car Insurance Policies, Homeowners Policies And More. Combined Coverage Could Save You Money And Lower Your Auto Insurance Rates.
- Good Driver Auto Insurance Discounts
Learn More On Good Driver Discounts On Auto Insurance. Learn How To Save Money On Car Insurance If Don't Have Any Traffic Tickets Or Auto Accidents On Your Driving Record.
- Antitheft Equipment Auto Insurance Discounts
Find How Antitheft Equipment Could Land You An Auto Insurance Discount. Some Car Insurance Companies Offer Insurance Discounts For The Prevention Of Car Theft.
- Motorcycle Safety Course Insurance Discounts
How Motorcycle Safety Course Completion Could Get You A Motorcycle Insurance Discount. Motorbike Riders Get Safety Skills And Motorcycle Insurance Discounts By Taking A Safe Rider Course.
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