Why aren’t I getting a low-mileage discount on my policy?

Where is a low-mileage discount listed on my policy? My insurance agent said I was getting a discount because I drive less than 3000 miles per year, but when I got my policy documents, it was not listed under the discounts.

Answer provided by
Shannon Martin
Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Insurance companies use annual mileage as a rating factor, meaning that how little or how much you drive has an impact on what you pay for car insurance.
Other insurance companies also have a low-mileage discount. Usually, this will involve collecting annual mileage readings from the customer or having a telematics device installed in your vehicle for a short time. Several carriers offer this type of discount, like:
While some companies list this discount specifically on the policy as a discount, others do not, even though your low annual mileage still helps your rate. Check with your agent to make sure. They either misspoke when they referred to it as a discount when they meant it was a rating factor, or the discount was not applied to your policy.”

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