Has anyone ever tried those pay-per-mile insurance deals? I’ve heard they can be cheaper if you don’t drive much, but I wonder if there’s a catch somewhere.
Yeah, I looked into pay-per-mile last year when my commute dropped to almost nothing. Here’s what I found: 1) You need to be super honest about your mileage, because they’ll check. 2) If you end up driving more than you thought, the savings disappear fast. 3) Some companies tack on weird fees or base rates, so it’s not always as cheap as it sounds. It’s worth a shot if you barely drive, but read the fine print—there’s always something hidden in there.
If you end up driving more than you thought, the savings disappear fast.
Yeah, that’s the kicker. I tried pay-per-mile for a bit, thinking I’d save a ton since I barely drove after a couple tickets. But then life happened—random road trips, extra errands—and my bill shot up. Also, they do love their “base rates.” It’s not always the steal it looks like, especially if your driving habits aren’t super predictable. Just my two cents...
Totally get where you’re coming from. I thought pay-per-mile would be perfect when I was working from home, barely driving anywhere. But then my job changed and suddenly I was commuting again, plus weekend trips to see friends... My “cheap” insurance got way pricier than a regular plan. It’s wild how fast those miles add up without even noticing. Sometimes just sticking with a basic policy is less hassle.
Honestly, I get why pay-per-mile can feel like a trap once your driving habits change, but I’ve seen folks save a ton by just being honest with their mileage and updating it regularly. Sometimes people forget to update their policy when they start commuting more, and that’s when the costs sneak up. But if you’re on top of it, or your driving is super predictable, it can still be a win. Regular policies aren’t always the “set it and forget it” deal either—some have sneaky rate hikes or weird fees. Just gotta keep an eye on both, really.
Honestly, I’m still trying to figure out if pay-per-mile is actually worth it for me. My driving is all over the place—some weeks I barely leave the house, then suddenly I’m doing a bunch of trips. The idea of having to constantly update my mileage sounds like a pain, but maybe that’s just me being lazy. Regular insurance feels safer, but those random rate hikes are sketchy too. Guess there’s no real “set it and forget it” option when you’re broke and paranoid about surprise bills...
