6. Ask About Low Mileage Discounts
Insurers generally define specific mileage bands, such as under five thousand, under seven thousand five hundred, or under ten thousand miles annually, each tied to a different discount level. If your circumstances have changed, whether through remote work, a shorter commute, or simply driving less than you used to, updating your insurer with accurate mileage estimates could shift you into a lower risk category and a lower premium.
If you work from home, use public transportation regularly, or simply do not drive very much, you may qualify for a low mileage discount. Insurers calculate risk partly based on how much time you spend on the road, so fewer miles driven annually often means a lower premium. Some companies require you to report your mileage, so keep track and update your insurer if your driving habits have genuinely changed.
Quick tip: Keep a simple log or use your car’s trip odometer to track annual mileage accurately, since guessing too high could cost you a discount you actually qualify for.