I have had this discount for years because I walk to work, and when I added my husband to my policy he got the same discount for bike commuting. It's the main reason that I stick with Nationwide, because they allow me to classify both cars on my policy as "pleasure drivers," and some companies require you to have at least one car designated for commuting. Every couple of years they ask me to send in an affidavit listing the odometer readings, but we are always under 5,000 a year between the two cars, and most of those miles are from roadtrips.

From what the agent told me, though, I gather we would get the same discount just from living close to work. It's a low-mileage discount, basically.