We considered a specialty policy too, but with my daily commute to Little Rock, I figured we'd blow past the mileage cap pretty quick. Curious, did they offer any flexibility if your driving habits changed mid-policy?
"Curious, did they offer any flexibility if your driving habits changed mid-policy?"
Usually yes—most specialty insurers let you update your mileage or usage mid-term. You'd just call your agent, they'd note the change, and adjust coverage or premiums accordingly. Worth double-checking specifics upfront though... some can be picky about proof.
I ran into something similar last year when I switched jobs and started working remotely. My daily commute dropped from about 40 miles round-trip to basically zero. I called my insurer to see if they'd adjust my premium mid-policy, and they were pretty chill about it. They did ask for some basic proof—just a quick email from HR confirming my remote status—but nothing too intense.
One thing I'd suggest is keeping track of your mileage for a couple weeks before you call. I did that using a simple mileage tracking app on my phone, just in case they asked for specifics. They didn't end up needing it, but it was nice to have handy. Also, be aware that some insurers might have a minimum mileage threshold, so even if your driving drops significantly, your premium might not change as much as you'd expect.
Definitely worth a quick call to your agent to clarify how flexible they are... better safe than sorry.
Yeah, good call on tracking mileage—I did the same thing when I switched to hybrid work. Funny enough, my insurer didn't even ask for proof; they just took my word for it (guess I sound trustworthy?). But you're right about minimum thresholds...my premium barely budged even though my driving dropped by half. Still, every little bit counts, especially with gas prices these days.
Same here, my insurer didn't ask for proof either—guess we're both trustworthy types, haha. But yeah, mileage discounts seem pretty minimal unless you're going from crazy-high miles to almost nothing. When I switched from commuting daily to mostly remote, I thought I'd see a bigger drop too, but nope...barely noticeable. Still, like you said, every bit helps. Speaking of gas prices though, anyone else notice premium fuel creeping up even faster lately? My car's picky about gas, so I'm definitely feeling it these days...
