I'm with State Farm and have the low mileage discount which is 8500 miles per year or less. They don't have a lower mileage discount than that which is too bad for me because I drive my cars less than that per year and could save more so in my case retiring won't change my mileage discount. I wonder at what age does your insurance start increasing due to age, or does that not happen based on age unless you become an unsafe driver?