Low-Mileage Discounts for Remote Workers

The Problem

You work from home but your insurance rate assumes a daily commute.

The Hack

Call your insurer and report your actual annual mileage. If under 7,500-10,000 miles (varies by company), you'll receive a low-mileage discount.

Why It Works

Less driving = less risk = lower premium. Insurers calculate risk partly on miles driven. Remote workers, retirees, and single-car households often qualify.

Pro Tips

• Check your odometer or maintenance records for actual mileage
• Some insurers offer per-mile pricing (Metromile)
• Average savings: $100-300/year
• Report any commute change — WFH 3 days/week counts