Keep Insurers Updated. Insurers usually consider your home, school or employment location when you apply for insurance. If they don't mention reduced rates for low mileage, ask about them. Let the insurer know if you use public transportation or carpool to work. The program might involve attaching a device to your cars odometer or other requirement. You can ask current or prospective insurers if they offer this program. If you live close to school or work, you probably drive fewer miles a year than someone else who has farther to commute. Low annual mileage on your car means you can find discounts on auto insurance rates. Bring up the low mileage you drive each year when asking insurers about reduced premiums while shopping for insurance. If you already have car insurance, contact your agent if changes have resulted in lower car mileage since buying the policy.
You could immediately lower your premiums, depending on the company. Pay as You Drive Companies such as GMAC and Progressive offer pay-as-you-drive insurance programs for motorists who drive less than 10,000 to 15,000 miles a year.