4. Low Mileage Discount
Drivers who use their car less than a set number of miles annually, often somewhere between five thousand and ten thousand depending on the company, can qualify for a reduced premium. If you work from home, use public transit regularly, or have simply cut back on driving, ask your insurer to update your estimated annual mileage.
Quick tip: Track your actual mileage with your car’s odometer over a few months rather than guessing, since underestimating could risk a dispute later while overestimating simply costs you unclaimed savings.
5. Telematics or Usage-Based Discount
Programs that track your actual driving behavior through an app or plug-in device can reward safe drivers with discounts of fifteen percent or more. Many drivers assume these programs are only useful for people who already have a bad record, when in reality the biggest winners are typically cautious drivers who rarely realized how much their good habits were worth.
Most programs offer a trial period where you can preview your projected discount before it becomes locked into your policy, which removes much of the risk associated with trying one out for the first time.
Quick tip: Ask whether the program only rewards safe driving or whether it can also raise your rate for risky behavior, since policies differ meaningfully on this point.