Getting auto insurance discounts is one of the best ways to reduce the cost of your premiums, and often, all you have to do to get the discount is to ask. If you don’t use your car to commute to work, or have a very short commute, you may qualify for a discount because you rarely drive the car. After all, a car that’s not on the road as much presumably won’t be as likely to be involved in an accident.
The specifics of how to get the discount vary from one insurance company to another, but you should always explain your situation and ask the agent if you qualify. Many insurance companies ask for your estimated annual mileage and automatically adjust your premiums based on the mileage. Others have a specific low mileage discount if your annual mileage is below a specific threshold.
If you only drive your car during particular times of the year, ask about seasonal auto insurance. This type of insurance adjusts the coverage to the state minimum during your off season, and then boosts your coverage to the levels you want during the season when you drive it. You can also ask about labeling a driver on your policy as an occasional driver, which is perfect for college students who will drive only during their breaks from school.