I wondered about that too. I guess if people are aggressively cutting back on their vehicle mileage (vehicle-driven vacations and trips), I suppose they could update their vehicle insurance for a lower mileage and thus possible lower rates.
Lots of work from home folks.
I think that would be a good car insurance deal.
Another possibility, which is true for me, is to cut back on collision and comprehensive. My car is 16yo and any dent is going to "total" it, with remuneration below $1k, so that portion of the insurance isn't worth it; I'll drive carefully and sock away the difference.
i decided on a 14yo vehicle to drop collision.
If your car is paid off, you can cut costs by upping your deductibles and dropping collision. Collision is bought to cover your cost in an at-fault accident (your comprehensive covers their car, and if it is their fault, you owe nothing). Both my paid-off cars have over 100K and we are both retired now and drive a lot less.
According to statistics, we each have a 1% chance of an at-fault accident (neither my wife or I have had one in all our years of driving). We were paying $600 to cover both cars and according to the Bluebook, the maximum payout is $8,000, minus the $500 deductible. We were paying $600 for the 2% chance (counting both drivers) to collect $7,500 (assumes one of us could have an accident in any given year). In my case, the smart bet is to bet on ourselves and drop the collision.