Insurance Company Letter regarding Miles Driven

[Hootch]

I have never been asked for the actual mileage but they always ask how many miles a year I drive.

[max americana]

and who’s your agent? “Progressive”?

[hsmomx3]

I guess I can expect my premiums to go way up since more than one person drives it and we are looking for jobs.

[dila813]

Your insurance rate is based on miles driven, this is pretty normal.

[hsmomx3]

State Farm

[hsmomx3]

If it were just me, under 5000 per year but with all of us, we are talking about 24000 miles. Can it really affect a premium by a whole lot?

[freeagle]

Are you in California? I received a similar one last month. Since my policy is up for renewal, I figured it had to do with premium rates. Last year when I moved to California and switched auto insurances, my rates increased due to the number of miles I had driven. At that time, they said if my mileage decreased over the next year (which they have), my rates would go down.

[hsmomx3]

I am in Arizona.

[Abby4116]

You probably already told them what percentage each driver drives the car. They want to know how many miles will be put on the car per year. You insure the car, not the person.

This is a normal question (has been for years) since rates are based on, among other things, total mileage driven per year. I remember questions about commuting to work, pleasure driving, etc. from years ago.

[Persevero]

I got one of those this year. Geico.

I had to provide proof of the low miles I put on my car.

[BlessedBeGod]

Hmmmm. I’ve never been asked how many miles I drive per year.

[Guyin4Os]

It’s a perfectly logical question for them to ask. They underwrite your policy on the basis of the exposure of risk. Someone who drives 25k miles per year is a much greater risk exposure than someone who drives 8k miles. If you have driven more miles than you originally represented on your application, they should be able to upwardly adjust the cost of your policy.

[StolarStorm]

This might be something that is not done in all states. I’ve never been asked this question.

[donna]

I’ve always had to give them how many miles to work.

[Tamar1973]

Depends on the state but, yes, they can ask for mileage information.

[dila813]

Depends how good your driving record is and the insurance company. With State farm it made about 150 difference on my yearly rate. For me it was 1/5th of my rate.

[JSteff]

“If it were just me, under 5000 per year but with all of us, we are talking about 24000 miles”

LOL, really? How would you rate someone you were going to issue a monetary guarantee of their car and driving?

[abigailsmybaby]

We’ve lived in California for 30 yrs and I’ve never NOT had them ask for a guesstimate of how many miles we drive per year per vehicle.

[Jim from C-Town]

I receive these letters every couple of years. I just throw them away. If they send another one, I contact my agent and he tells the company to forget about it. I tell them they can choose to take my money for the insurance or they can choose not to insure me and I will find another carrier.