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Most insurers offer a low mileage discount for customers whose accumulated mileage is lower than the average. There are many ways to achieve this, such as car pooling to work or by taking advantage of mass transit part of the time. By car pooling with a group of friends you may be helping many people take advantage of this discount by lowering the mileage of everyone in the car pool. In this time of high gas prices taking advantage of any discount that rewards you for saving money is a good idea. Check with your agent on the availability and conditions of this option.