Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
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UPDATED: Oct 1, 2020

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Typically, any drivers in a household have to be listed on a policy. If a driver only rarely drives one of the family cars to the store or some special event, it might seem like the cost of covering that individual outweighs the benefits. Since every driver has to have coverage, it’s best to find an insurer that has exclusive discounts for occasional drivers.

What Are Occasional Drivers?

Insurers don’t really care how often an individual operates a vehicle. They usually determine occasional drivers by the number of miles they drive in a given year.

A family member might take the car to a corner star every day, but because the store is nearby, they can still be considered occasional drivers. Because of this, some insurers will call them low-mileage drivers.

These are some ways that insurers might define occasional drivers, according to CNN Money:

A driver who operates a vehicle less than 25 percent of the total miles put on the car during a year might be considered a low-mileage driver.

Other companies may define low-mileage as less than 50 percent of the total miles put on the vehicle.

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Utilizing Low Mileage Car Insurance Discounts:

Speedometer Reading to Get Low Mileage Discount

If you are interested in saving money and do not use your vehicle a great deal, you may qualify for low mileage car insurance discounts. With less than one-fifth of folks reporting a request for this type of savings, it is one of the most underutilized forms of saving on car insurance.

There are two types of discounts associated with usage. One of them monitors your usage and charges according to your driving habits. The other simply bases your premiums on the total mileage for the previous year. In some cases, insurance companies will require that drivers participate in both in order to receive the low mileage discounts.

The Mileage Cap:

Does your annual mileage total fall under 15,000? If so, you might qualify for this discount. The specifics vary from state to state and from company to company. Generally, 7,500 to 15,000 miles is the cap placed for this benefit. Allstate, State Farm, GEICO and the other major companies all have policies available in states that allow for it.

There are several reasons that you might qualify. For instance, seniors often drive far less than when still commuting to work each day. People who carpool or work from home might use their car on a limited basis.

Likewise, if you have a second car that is solely for running errands, you might put limited mileage on it each year.

Parents might find the programs useful to monitor teen drivers even further.

Honest reporting is vital, or you can end up in legal hot water. Contact the major companies and find out about this and other discounts that you and the members of your household can qualify for. You might be able to shave a significant portion of your monthly insurance premiums by utilizing all of the tools available to you!

What If Low-Mileage Drivers Don’t Share Their Car?

Note that some insurers will use a set number of miles, like less than 12,000 miles a year. Even if nobody else uses the car or even lives in the household, some people could be considered low-mileage drivers under a system like this. This could offer a great advantage to retired people, folks who work at home, or even people who usually take other transportation to work and only use cars on the weekend for shopping.

How To Earn Occasional Driver Insurance Discounts?

Occasional Driver in Need of Insurance