I've actually had mileage-based insurance before, and honestly, as someone who tends to rack up miles unexpectedly (blame my spontaneous road trips), it wasn't ideal. The charges weren't exactly "surprise"—they do warn you—but they still stung a bit when the bill came in. If you're disciplined and your driving habits are predictable, you might save some cash. But for me, traditional coverage just feels less stressful. Your call, though...just keep an eye on that odometer.
"If you're disciplined and your driving habits are predictable, you might save some cash."
Totally get where you're coming from. I tried mileage-based insurance once too—figured my daily commute was short enough to save a few bucks. But then came the weekend drives... spontaneous brunches downtown, quick trips to the coast, and suddenly my odometer was spinning faster than expected. Switched back to traditional coverage pretty quickly. Like you said, it's all about knowing your habits and comfort zone. At least you gave it a shot, right?
Mileage-based insurance always seemed a bit too restrictive for my taste. I mean, I get the appeal if your routine is super predictable, but life rarely sticks to a script. Like you mentioned:
"spontaneous brunches downtown, quick trips to the coast, and suddenly my odometer was spinning faster than expected."
Exactly my concern. Even though my daily commute is minimal, I occasionally have client meetings across town or weekend getaways that pop up unexpectedly. I'd rather not feel penalized for enjoying my car when the mood strikes. Still, I'm intrigued by the original poster's mention of veteran discounts—I've never explored that angle before. Does anyone know if these discounts typically apply across all coverage types, or are they limited to specific policies? Curious if it's worth the hassle of switching providers just to tap into those savings...
From what I've seen, veteran discounts usually apply across most coverage types, not just mileage-based plans. My brother-in-law switched providers specifically for the veteran discount and ended up saving quite a bit on his comprehensive policy. Might be worth calling around or checking online quotes to see if the savings justify the hassle of switching...
That's interesting, I've always been hesitant about switching providers because of potential hidden fees or coverage gaps during the transition. Did your brother-in-law run into any unexpected issues when he switched, or was it pretty straightforward? I'm curious if the savings typically outweigh the risks or inconveniences involved, especially for comprehensive policies...
