Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Written by Marissa Hayes
Insurance Writer & Expert Marissa Hayes

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Sep 5, 2012

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Did you know that you may qualify for low mileage auto insurance discounts that will help you save money on your coverage? Unfortunately, many people don’t ask about all of the discounts they may be eligible for, and they just take the word of their insurance agents about the coverage they need. This means that they often end up with too much coverage or not enough coverage, and either way they often end up paying way too much for what they are getting. Many people who are paying too much for their insurance coverage don’t know that if they don’t drive a lot, they can get lower insurance rates.

Why Do Insurers offer Low Mileage Discounts?

Statistics show that people who drive a lot have a greater chance of getting into auto accidents than those who don’t drive very often. If you are using your vehicle to commute to work every day, take the kids to and from school, travel and more, you can expect to pay higher insurance rates. This is because you are going to be on the roads a lot, especially during high traffic hours, such as in the morning or late afternoon.

On the other hand, if you only use your vehicle to run occasional errands, you aren’t considered to be as high of a risk, and many insurance companies will offer discounts so you can receive lower rates for your auto insurance coverage. If your mileage is between 7,500 and 15,000 miles per year, you will probably qualify for low mileage auto insurance discounts.

Who Usually Receives these Discounts?

There are certain groups of people who are usually almost automatically eligible for low mileage auto insurance discounts. These groups include, but are not limited to:

  • Senior Citizens – Often, seniors don’t tend to drive a lot, except to run errands or go to appointments. For this reason, they are often eligible for discounts on their auto insurance.
  • Non-Commuters – Anyone who doesn’t use their car to go back and forth to work can be eligible for insurance discounts. This is one more great reason to start walking to work as often as possible. Not only will you save money, you will get into better shape while you’re at it.
  • Car-Poolers – If you car-pool with co-workers or others, you will not only save a lot of money on the cost of fuel and auto maintenance, you will also be able to qualify for auto insurance discounts. Get a group together and start car-pooling, and you will all save money.

Shopping Around Gets You the Best Insurance Rates

One of the best ways to get the best rates, including low mileage auto insurance discounts, is to shop around and get quotes from a variety of insurers, both local and national. Don’t forget to ask about all of the discounts that you may be eligible for, including safe driver discounts, age discounts, and more. Get your free quotes today, and start saving money on your auto insurance immediately.