Telematics for drivers with low mileage; State Farm Drive Safe saves 26%, up to 15%; Esurance DriveSense, varies; Nationwide SmartRide, up to 40%; Liberty Mutual. The State Farm low mileage discount is available to drivers who do not travel more than 7500 miles per year. The amount of the discount varies depending on your driving record, the make and model of your vehicle, where you live, and other factors. Even if you don't live close to work, but use public transportation because it's faster in cities like New York, you can get a discount for low mileage.
The average driver will get the best low-mileage car insurance rates with GEICO, but you may qualify for more discounts with Nationwide depending on how often you drive. They also receive a retirement discount from some insurance companies, which means they could double the discounts on the policy. Drivers who live and work in the city center or a mile or two away from their own office also spend very little time in the car. Read on to learn all about low mileage discounts, from how these auto insurance discounts work to how to qualify.
Most auto insurance companies will require one of the following forms of proof in order for you to qualify for a low mileage discount and prove that you are below the required mileage. Cheaper companies may offer a lower discount, but because their rates are lower from the start, they may still be the best affordable car insurance option for most drivers. Some UBI insurance companies, such as Metromile and Root, allow drivers to pay for their insurance as they earn miles. If you're late twice in a week and tend to drive a little fast on those days or brake hard on those days, it seems like you're driving poorly.
Your insurance company will clearly indicate how you need proof of mileage in order to issue a discount on car insurance. Metromile offers the most affordable car insurance rates for drivers with low mileage, but the company is only available in eight states. Just keep in mind that if you're looking for discounts on low-mileage car insurance, you have the right discount in mind and understand that you may be asking several different companies. The amount of the discount varies depending on the insurance company offering the discount, which means you'll want to ask what percentage or dollar amount the discount represents when you buy insurance.
Most major auto insurance companies will offer discounted rates to policyholders who drive 12,000 miles per year or less. If you drive less than average and want to try to save on your car insurance policy, then you should look for car insurance that offers a discount for low miles.