I've tried every trick in the book to get a decent low-mileage rate here. Drove less than 3,000 miles last year—still got quoted like I was running a taxi service. Called the agent, asked about mileage discounts, and got some vague answer about “risk pools.” It’s frustrating. Honestly, feels like unless you’re willing to park your car for good, they just lump you in with everyone else.
It really does feel like the system’s stacked against folks who don’t rack up a ton of miles. I’ve been in the same boat—my annual mileage barely hits 4,000, and yet my premiums hardly budge. I even tried one of those telematics programs where they track your driving, but honestly, it didn’t make much difference. They said it was about “overall risk” for my age group, which seems a bit unfair when you’re careful and barely on the road.
Have you looked into any pay-per-mile insurance options? I know they’re not super common in Kansas, but I’ve heard a few companies are starting to offer them in the Midwest. I’m curious if anyone here’s actually managed to get a better deal with one of those, or if it’s just another marketing gimmick. Sometimes I wonder if it’s worth shopping around every year or if all the companies are just using the same formulas now...
You’re not wrong about it feeling stacked against you if you don’t drive much. I’m on the other end—commute a lot for work—but I’ve got family who barely put miles on their car and still get hit with those high premiums. It’s like, what’s the point of driving less if it doesn’t help your wallet?
I’ve heard about pay-per-mile stuff too, but honestly? Around here, it feels like more hype than real savings. My cousin tried one, and after all the “base fees” and weird surcharges, she was basically paying the same as before. Maybe it’ll get better if more companies start offering it, but right now…meh.
I do think shopping around every year is worth it, even though it’s a pain. Companies do use similar formulas, but sometimes you catch one that’s running a promo or just calculating risk differently for your area or age group. It’s annoying how little control we have over these rates, especially when you’re being careful and barely on the road.
I hear you on the pay-per-mile stuff—looked into it myself, but once you add up all the “extras,” it’s not the deal they make it sound like. I’ve got an old Mustang I barely take out, and the insurance is still up there. Has anyone actually seen a real drop in rates after turning 65, or is that just another myth?
Has anyone actually seen a real drop in rates after turning 65, or is that just another myth?
- Myth, at least for me. My “luxury” badge apparently means “please charge me more.”
- Pay-per-mile? Tried it. Turns out my “occasional joyrides” are apparently “high risk events.”
- Garage queen or not, they still want their pound of flesh. Maybe if I bubble-wrapped the car and myself…
