What is Safeco’s low-mileage discount?

I was already thinking about cutting back on driving due to high gas prices when I heard that Safeco offers a lower rate for people who don’t drive much. What is Safeco’s low-mileage discount?

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Answer provided by
Mary Alice Morris
Answered on Jul 08, 2022
Safeco’s low-mileage discount is a reduced rate on car insurance for driving very few miles—usually less than 7,500 a year.
Other providers like Progressive and State Farm also offer this type of discount.
However, you need to keep in mind that your individual insurance rate depend on many factors, including your driving record, so it’s hard to say what your potential discount might be. But asking about a low-mileage discount from your provider is a great idea!
To prepare, you should know a little about the different low-mileage cost savings that are available:
  • Traditional low-mileage discount: Some insurers will rely on you to supply them with an annual odometer reading, which they’ll use to determine your discount.
  • Telematics discount: These days, lots of companies use telematics systems, which track and monitor your driving habits, including your mileage, to decide if you get a reduced rate.
  • Pay-per-mile insurance: A newer insurance model is pay-per-mile or usage-based insurance, which uses telematics to charge you a per-mile rate for car insurance.
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