[Tvflguy]

We have a 6 mo old 2024 Tesla. Our previous Progressive insur was way too much. Contacted our agent who represents many companies and switched to Allstate. Rates good but just got our next 6 month renewal just now and up $500 a year. Crazy

Our record is flawless. And we only drive around the area, about 5k miles per year.

Before I contact the agent, is anyone aware of per-mile car insurance. ie. Pay a fixed monthly charge and $$ per mile. I see that Allstate does offer that, but not in Florida?

Anyone???

[biggamefish1]

Good question!

[vintageogauge]

How much of your premium is for collision coverage vs Liability, uninsured motorist, under insured motorist, comprehensive and rental car reimbursement. . Also see what it would be with a higher deductible if you feel driving only 5000 miles per year lessens the chance of a claim increase the deductible for a little savings in premiums.

[tophcfa]

If you can find a company that will do that they will want to install a tracking device in your vehicle so they can monitor you. No way I’d ever let one of those things in my vehicle. On the other hand, you drive a Tesla, so there’s probably already one there?

[Tvflguy]

Originally Posted by tophcfa

If you can find a company that will do that they will want to install a tracking device in your vehicle so they can monitor you. No way I’d ever let one of those things in my vehicle. On the other hand, you drive a Tesla, so there’s probably already one there?

No problem here with a “tracking device”. We had that with Progressive for a good driver discount. And now with Allstate. They monitor via your cell, and check for hard braking, excessive speeds. We have zero to hide as we are great drivers with a great car.

That said, if we are open to these things we deserve as great rate. Not so with Progressive or Allstate. This is what we get for living in Florida I guess, so many uninsured drivers etc etc.

[CarlR33]

Last I checked with another company it was based on being below X miles a year (doubt any have an per mile) and I don’t remember a large reduction in cost for the hassle of being monitored for harsh braking, speed, and miles, etc. If you feel you’re a decent driver raise the deductible.

[OrangeBlossomBaby]

Most car accidents occur between 5-15 miles from home. Insurance companies know this. If you're the "little old lady who just drives to church on Sundays and the grocery store a few times a week" you're at a higher risk of a collision than someone who commutes 30 miles to work. My insurance was lower when I lived 30 miles away from work, than when I worked part time 2 blocks away from home and the insurance company flagged me as someone who basically only drove for leisure.

[vintageogauge]

Most new cars already have the device installed and they sell your driving habits to the insurance companies. A few years ago only two manufacturers sold the information but now they all do it.

[Topspinmo]

Originally Posted by tophcfa

If you can find a company that will do that they will want to install a tracking device in your vehicle so they can monitor you. No way I’d ever let one of those things in my vehicle. On the other hand, you drive a Tesla, so there’s probably already one there?

If got vehicle less than 3 years old they are probably tracking it anyway. Several utube video’s on people finding tracking devices on new car they brought.

[Topspinmo]

Originally Posted by Tvflguy

No problem here with a “tracking device”. We had that with Progressive for a good driver discount. And now with Allstate. They monitor via your cell, and check for hard braking, excessive speeds. We have zero to hide as we are great drivers with a great car.

That said, if we are open to these things we deserve as great rate. Not so with Progressive or Allstate. This is what we get for living in Florida I guess, so many uninsured drivers etc etc.

So, someone pulls out in front of you and you slam on your brakes and get ding for avoiding accident?

[jamorela]

Originally Posted by Tvflguy

We have a 6 mo old 2024 Tesla. Our previous Progressive insur was way too much. Contacted our agent who represents many companies and switched to Allstate. Rates good but just got our next 6 month renewal just now and up $500 a year. Crazy

Our record is flawless. And we only drive around the area, about 5k miles per year.

Before I contact the agent, is anyone aware of per-mile car insurance. ie. Pay a fixed monthly charge and $$ per mile. I see that Allstate does offer that, but not in Florida?

Anyone???

I have that with Allstate, but my friend checked into it and they are no longer doing it.

[jedalton]

mileauto.com insurance, been using them for 6 months and saving about $150/mth for same coverage. all base on mileage driven each month

[westernrider75]

Originally Posted by Topspinmo

So, someone pulls out in front of you and you slam on your brakes and get ding for avoiding accident?

The driving results are over a six month period on my policy so one slamming on the brakes incident is insignificant in the big picture, it’s all about patterns.

[jedalton]

here are my premiums: POLICY PREMIUM SUMMARY (6 mo.)
$406.93 plus
$0.083 per mile (2023 Hyundai SANTA FE)
$24.00 prorated policy fee
I rarely go over 500 mile in a month

How does Mile collect my monthly mileage information?
At Mile we don't require you to plug a "black box" tracking device into your car. We don't like the thought of your car "spying" on you. Instead, our MVerity system will send you a series of monthly reminders via text and email when it's time to send in your odometer reading. Each text and email will have a hyperlink that you click on to automatically open the camera in your smartphone. Simply take a photo of your odometer, and the image is automatically transmitted to our computers where our MVerity system takes care of the rest. MVerity extracts your odometer data, confirms the vehicle and authenticity of the photo, and then compares it to previous odometer readings. You just snap the photo and MVerity does the rest.

[Bay Kid]

Big brother is watching us....