Our low-mileage policy is a pay-per-mile auto insurance program designed to save low-mileage drivers money, where the premium you pay varies by how many miles you drive, giving you more control over your auto insurance costs than a traditional policy. In addition, you can earn discount savings up to 10% based on driving-behavior data collected during the first term of participation. Smart driving is a discount program for traditional auto insurance policies. You earn a 10% participation discount just by enrolling. You can then earn up to a 40% discount on your premium that applies at renewal simply by displaying safe driving behaviors during a one-time evaluation period.