Low Mileage Car Insurance Discounts for 2023
Drive less, save more: How low mileage car insurance discounts can help you cut costs and get rewarded for driving responsibly.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 4, 2023
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UPDATED: Apr 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Car insurance can be expensive, but there are many ways to save money on your premiums. One popular discount is the low mileage discount, which rewards drivers who don’t drive very much with lower rates. In this article, we’ll go over everything you need to know about low mileage car insurance discounts, including who is eligible, what the discount covers, and how you can qualify for it. Whether you’re a new driver or an experienced one, this guide will help you save money on your car insurance.
What Does the Low Mileage Discount Cover?
The low mileage discount is designed for drivers who don’t drive very much. If you drive less than a certain number of miles per year, you may be eligible for this discount. The exact mileage limit varies depending on the insurance company, but it is usually around 7,500 to 15,000 miles per year.
The low mileage discount can cover a wide range of vehicles, including cars, trucks, SUVs, and vans. It can also cover different types of coverage, such as liability, collision, and comprehensive. However, not all insurance companies offer the same coverage options, so it’s important to check with your insurer to see what’s covered.
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Who is Eligible for the Low Mileage Discount?
The low mileage discount is available to anyone who meets the mileage requirements set by the insurance company. This includes people who:
- Work from home or have a short commute
- Use public transportation or carpool
- Have a second car that they use more frequently
- Are retired or don’t drive very much for any other reason
If you’re not sure if you’re eligible for the low mileage discount, it’s best to contact your insurance company and ask. They can tell you what the mileage limit is and help you determine if you qualify.
Other Types of Discounts Available to Customers
In addition to the low mileage discount, there are many other types of discounts available to customers. Some of the most common ones include:
- Good driver discount: If you have a clean driving record with no accidents or tickets, you may be eligible for this discount.
- Multi-car discount: If you have more than one car insured with the same company, you may be eligible for a discount.
- Bundling discount: If you have multiple types of insurance (such as home and auto) with the same company, you may be eligible for a discount.
- Student discount: If you’re a student with good grades, you may be eligible for a discount.
- Military discount: If you’re a member of the military or a veteran, you may be eligible for a discount.
To qualify for these discounts
you typically need to meet certain criteria. For example, to qualify for the good driver discount, you may need to have a clean driving record for a certain number of years. To qualify for the student discount, you may need to maintain a certain GPA.
Frequently Asked Questions
Is the low mileage discount available in all states?
The availability of the low mileage discount may vary by state and by insurance company. It’s best to check with your insurer to see if it’s available in your state.
How much can I save with a low mileage car insurance discount?
The amount you can save varies depending on the insurance company and your individual circumstances. However, many people save 5-10% on their premiums with this discount.
Do I need to report my mileage to my insurance company?
Yes, you will need to provide your insurance company with your current mileage and update them if your mileage changes.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.