Insurance companies offer various discounts on premiums.
For example, if you are the only driver or don’t drive very often. You may also qualify for a discount if you drive a new or leased vehicle with safer, more modern technology.
Another common example is receiving a discount if you only use a garage associated with your insurance company.
Of course, these discounts are only examples - the actual offer always depends on the particular case, as well as the choice of insurer.