Defensive driving courses definitely help—took one myself last year and saw a noticeable drop in my premium. Another thing I've found useful is periodically checking with my insurer about mileage discounts. Since I started working remotely part-time, my annual mileage dropped quite a bit, and that shaved off some extra dollars too. It's not huge savings, but combined with the defensive driving discount, it adds up nicely over time.
Defensive driving courses are definitely a solid move, but mileage discounts can be a bit hit-or-miss from what I've seen. Some insurers barely budge on rates unless your mileage drops drastically. Had a client recently who cut their commute in half and expected decent savings—ended up being peanuts. It's always worth checking, but don't bank too heavily on mileage alone. Bundling home or renter's insurance usually nets bigger savings, at least from my experience...
I feel you on the mileage thing—my insurer barely blinked when I went remote and my driving dropped way down. But bundling renter's insurance knocked off more than I expected, so that was a nice surprise. Guess mileage isn't always the magic bullet...
Mileage didn't do much for me either, honestly. When I first got my insurance, I thought driving less would mean big savings since I'm remote most days. Turns out, nope... barely made a dent. But weirdly enough, when I added my older sister as an occasional driver (she visits from out of state sometimes), the rate actually went down a bit. Still scratching my head on that one—maybe insurers see older siblings as responsible or something? 😂 Anyway, bundling sounds interesting though. I've been renting for a while but never really considered renter's insurance until now. Might have to look into that combo deal and see if it's worth it. Guess you never know what's gonna click with these companies...
Yeah, mileage discounts are pretty overrated in my experience too. Tried the same thing when I switched to remote, figured I'd save a chunk—nope, barely noticed. But adding your sister lowering the rate is definitely weird... maybe insurers trust family members more? Who knows. Bundling renter's insurance did help me a bit, though. Ever thought about raising your deductible slightly? Worked for me, but obviously depends on your comfort level and driving habits.
