Insurance companies determine rates based on a number of factors. In addition to your driving history and vehicle, the company considers how much you drive and uses your average annual mileage to influence your rate.

COVID-19 affected workers, students, and drivers by forcing people to work from home rather than commute to an office or to school. Because of regulations and restrictions during the pandemic, fewer people were on the road.

Many organizations are continuing to let employers and students work from home. If the number of miles you are typically on the road has dropped, you may be eligible for a lower rate.

For example, Geico has a program that saves customers money on their premiums for driving less than average. The average annual mileage for U.S. drivers is 12,000, so Geico customers who drive for fewer miles can qualify for a 1.5 percent discount on premiums.

The Geico program also supports those in cities with regional incentives. The company incentives motorists to drive less and, therefore, cut down on smog pollution and traffic congestion.

Customers in cities like Los Angeles can get higher discounts for driving fewer miles. The program gives customers as much as 12.5 percent off their premiums.  

To take advantage of these low-mileage discounts, drivers need to use apps to document their:

• Average driving speed.
• Breaking habits.
• Times you travel.
• Length of travel.

If you have stopped driving or stopped driving a specific vehicle, you may be able to save even more by suspending your coverage. Discover which situations allow you to suspend your auto insurance without receiving penalties.