Some companies may require verification of your mileage. That could come from several sources: a form that you fill out; a photo you take and mail in; or service and emissions records. If you drive an exceptionally small number of miles -- safely -- pay-as-you-drive insurance might save you even more. Insurers, such as Progressive, send you a device that plugs into your car and reports odometer readings and driving habits, then calculate a discount that can reach 40% in some rare cases.