So you’ve retired and kissed the dreaded work commute behind. Congratulations! No more rush hour freeways, no driving to work still half asleep, no traffic congestion frustration. No more worried glances at the dashboard clock while making up excuses for being late. Now, adjust your car insurance.

And here’s another benefit. Without that daily drudgery, you’re most likely putting a lot fewer miles on your car’s odometer every year. And that can save you serious money.

Obviously, with high gas prices, more money stays in your wallet when your car stays in the garage. You’ll save on repairs, go longer between oil changes and not have to spring for new tires so soon.

But even more savings can result from driving fewer miles. Lower mileage can save you real money on your car insurance too. Insurance companies know that a car that’s spending more time sitting in the driveway is less likely to be involved in an accident. Fewer claims = lower costs to insurance companies = lower rates for you.

Now that you’re no longer driving to and from your work, insurance companies have a new name for you: pleasure driver. Has a nice ring to it, doesn’t it? Apt, too, since now that you’re retired, driving can be fun again instead of a grind.

Becoming a pleasure driver puts you into a new car insurance rate classification. According to the Consumer Federation of America, that new category might save you 10-15% on your premiums, as average of $94-142.

This is a great time to compare car insurance rates and see if being a “pleasure driver” who logs a lot fewer miles than you used to can save you money on your car insurance.