Accident Auto Insurance and Low Mileage Discounts

Do you know how much do you drive every year? No. Well, you best start paying attention. Many auto insurance carriers are offering policyholders discounts for driving less. Again, for the auto insurance companies, it's a game of risk. The less you drive, the less likely you are to get in a crash and cost them money. I hate to sound like it all comes down to money, but from their perspective, it does. Auto insurance companies are running a business, and they are in the business of making money.

So, first of all, determine how many miles you drive annually and call your auto insurance company to see if you qualify for the low mileage discount. If not, ask them what mileage does qualify. Consider changing your habits a bit to keep your mileage under this number. You'd be surprised how easy it is to cut back on your driving. Here are some ways you can cut back on your driving.

• Get out and walk a little if you only have a short distance to go. You will get fit in the process and help the environment.
• For longer distances, consider riding your bike.
  
• Start a carpool. You drive one day, someone else drives the next.
• Start an office vanpool (same as above, except you drive in a van and go to the office :) )

Remember to shop around for auto insurance quotes and tell them what your annual mileage is. You may end up saving quite a bit in the process!