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.

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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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