Since retiring last year, I've barely put any miles on my car—mostly just grocery runs, visiting grandkids, and the occasional weekend trip. Anyway, I mentioned this casually to my insurance agent, and turns out they offer a discount for folks who drive less. Saved me a decent chunk of change. Had no idea this was even a thing, you know? Curious if anyone else here has stumbled onto something similar or if it's just my insurer being generous...
Yeah, it's definitely a thing with most insurers—not just yours being extra nice or anything. I stumbled onto it myself a couple years back when I started working from home more. Mentioned it casually when renewing my policy, and they knocked off a decent chunk for reduced mileage. Worth checking out for anyone who's cut down driving lately... insurance companies don't exactly advertise ways to save money, you know?
Yeah, mileage definitely plays a bigger role than most folks realize. Did you also check if your insurer offers any telematics programs? Some companies give discounts based on actual driving habits—like braking, acceleration, and time of day you're on the road. It's not for everyone (privacy concerns and all...), but if you're already driving less and safer, it could be another easy way to trim down that premium a bit more.
Mileage definitely matters more than I initially thought too. I looked into telematics briefly when I first got my policy, but I was a bit hesitant about the privacy aspect you mentioned. Still, after reading your post, I'm reconsidering it. Since I'm still pretty new behind the wheel, I tend to drive extra cautiously anyway—no sudden braking or speeding (at least not intentionally!). Plus, my schedule mostly keeps me off the roads during peak hours, so maybe it'd actually help lower my premium.
I guess the main thing holding me back is just the idea of having my driving habits monitored all the time...feels a little intrusive. But then again, if it saves money and encourages safer driving habits, maybe it's worth giving it a shot. Thanks for bringing it up—I hadn't really thought about it from that angle before.
