Cheap Car Insurance Tip #21: Drive less.

How often you drive also has an effect on your ability to get cheap car insurance. This is another one of those lesser-known discounts that many insurance companies actually do offer – as long as you ask for it, of course. However, it is well known that some people drive their car more than others, and there are some demographics that are more likely to put more mileage on their vehicle than others.

But if you are not driving your car as often as the next person, there is no reason why you should be paying the same amount for car insurance – and believe it or not, car insurance companies tend to agree with you on this one; as long as you can prove it. But low mileage discounts are actually quite common, though the exact size of the discount and the requirements for proving your low mileage can vary greatly from company to company.

Conversely, if you tend to put a lot of miles on your vehicle or if you are in an occupation where you spend a great deal of time on the road (as a pizza delivery driver, for example) you can expect to pay an increased auto insurance premium.

Sometimes it’s beneficial to ask where the cutoff for a certain mileage group is. If you are lucky, you might be able to make small changes that get you down to the lower mileage group.