Yes, with most car insurance companies you would be eligible for a discount on your car insurance due to the low miles you put on it each year. Auto insurance companies often reward drivers who drive less miles per year with lower, discounted rates such as those who use a car for only pleasure during the weekends and thus hardly put miles on it or in your situation where the vehicle is stored and only driven every 6 weeks.

So if your mileage is limited on your vehicle you would normally ask your current insurer or the insurance companies you shop around with for rates if a mileage discount is available.

The reason that a low-mileage discount is offered is that the more miles you drive, the greater the likelihood of being involved in an accident. Some auto insurance companies offer discounts to drivers who keep the number of miles they drive each year under a specified limit. This limit is usually between 10,000 and 12,000 miles annually, depending on the insurance carrier.

The New York Department of Insurance notes that possible discounts that may be applicable to NYS motorist include those for senior citizens, car pools, low annual mileage and the “good student discount” offered to youthful operators meeting certain academic requirements.

The NYS insurance regulator goes on to also say that New York insurance providers in general also give discounts:

• If your car is equipped with automatic seat belts or air bags, you qualify for a discount on your premiums for No-Fault and medical payments coverages. All private passenger automobiles that are model year 1990 or later are required by federal law to be equipped with at least one of these devices.
• If your car is equipped with factory installed anti-lock braking system (ABS), you are entitled to a discount on the premiums for your liability, collision, No-Fault and medical payments coverages.
• Several anti-theft devices qualify for a reduction on the comprehensive portion of the auto insurance premium. Eligible devices are generally alarm systems or permanently installed devices that prevent a car from being started. In addition, discounts are available for cars equipped with certain electronic-tracking devices, or in which the window glass (windshield, door glass, rear window, and sun/moon roof or T-Top) has been etched with the Vehicle Identification Number (VIN) or other identifying symbol qualifying under the law.
• If your car is equipped with factory installed daytime running lamps (DRL), you are entitled to a discount on the premium for your liability, collision, No-Fault and medical payments coverages.
• Many insurers give a “Careful Driver” or comparable discount for drivers who have been without a major incident (e.g., accident or conviction) for a certain period of time.
• Many insurers offer a “Multi-Policy” or “Account” discount, which reduces your premiums on both auto and homeowners coverages when purchased from the same insurer.
• Some insurers also give a discount for vehicles participating in a Combat Auto Theft (CAT) Program, in which vehicles displaying an official decal may be stopped, without other cause, by law enforcement officers if operated between 1 a.m. and 5 a.m., the prime vehicle theft period. This program is available in many areas of New York State, and requires the participation of the local police department. You may contact your local police precinct and your insurer to see if you are eligible for this program.

You may also decrease your premium in New York by taking a NYS Department of Motor Vehicles (DMV) approved accident prevention course. Auto insurers must apply a discount to the liability, collision and No-Fault coverages of your auto insurance policy for three years, if the principal operator of a vehicle has completed a qualified accident prevention course. In addition, taking this course entitles you to up to a four-point reduction of accumulated points from your driver’s license. Your auto insurer is required to provide you with a listing of all sponsors of these courses with your policy or billing statement. You can the NYS DMV for more details about how this benefits your driving record.

In New York, as in most states, many insurance companies offer low-mileage discounts to policyholders who drive a lower-than-average number of miles each year and if your car is parked and only driven once every 6 weeks it would likely fall into this category.

Since the actual amount of the low-mileage or any of the other discounts listed above may vary among insurers, ask your insurance company, agent or broker about any discounts that may apply to you. You should get information about these discounts with your policy or billing statements. In addition the dollar amount savings of any discounts required by NYS law must be stated on the declarations page, or attachment thereto, of your New York auto insurance policy.

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