Yeah, I kinda get what you mean. I just started looking into insurance and all these “discounts” feel like marketing more than anything. Has anyone actually seen a big difference with those pay-per-mile deals? Or is it just another tiny savings thing?
Title: Saving cash just for driving less? Didn’t think it was real
Tried pay-per-mile last year when I barely drove because of remote classes. Honestly, my bill dropped a bit, but it wasn’t like some massive discount—maybe $15-20 a month? Not nothing, but definitely not life-changing. If you drive way less than average, it might add up though. I still feel like they hype it more than it deserves.
I still feel like they hype it more than it deserves.
That’s been my experience too. I mean, I drive like a grandma—slow, careful, and barely ever—so I figured pay-per-mile would be my golden ticket. Turns out, it’s more like a bronze sticker. Did you notice if your rates changed once you started driving more again, or did they stay pretty steady?
I actually had the opposite happen. I’m not a careful driver—got a couple speeding tickets and a fender bender last year—so I figured pay-per-mile would help offset my “high-risk” label. At first, it did save me a bit when I was barely driving, but as soon as my commute picked up again, the rates shot up fast. It’s like they reel you in with the promise of savings, but if your habits change even a little, you’re back to square one. Not sure it’s worth the hassle unless you’re really consistent with low mileage.
Yeah, I hear you. Tried pay-per-mile when my wife was on maternity leave and barely drove—saved a chunk at first. But once school runs and soccer practice kicked in, the bill crept up quick. Honestly, felt like a bait-and-switch. If you’ve got kids or an unpredictable schedule, it’s tough to keep mileage low enough to make it worth it.