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I changed my auto insurance company about 3 years ago to a 'pay-per-mile' insurer.
My policy renewed in the past month. In reviewing my current declaration of coverage, I discovered that both my base rate per month, as well as my per mile cost have doubled in 3 years.
I called my insurance company and was informed by a company service representative that this is due to rising costs of repairing vehicles in my metropolitan area.
I'm considering switching my coverage back to a traditional flat rate auto insurer.
Do any other posters have any experience with pay-per-mile insurers? Also, have you remained with this type of company or returned to a conventional auto insurer?
Pay per mile is just another sales gimmick. When the rates go up, you shop. Doesn't matter if you switch to another pay per mile or flat rate. There will always be another company with more competitive rates. Count on switching every two to three years.
Pay per mile isn't a gimmick as much as it is a niche market. It's mostly suitable for CDL drivers who are rarely at home or for the elderly who rarely go anywhere.
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