Allstate. Indiana. Regular old comprehensive auto insurance for a financed 8 month old car.
I noticed that the policy document states 12,000. The car has driven 22,000 in eight months. My recollection was that I had put something like 30,000 or 35,000 down on a form at the outset, but there's the 12,000 right there. I fear I made a mistake.
I call my agent. I tell the situation to the person who answers. (I say "I saw on my policy document that it says 12,000 per year, however, in the first 8 months of driving the mileage has been 21,000, and I was wondering whether I need to update anything.)
She replies, "That says 12,000 because whoever entered the information put it as 12,000. To tell you the truth we don't quote by mileage anymore. I could bring it down to zero or up to 35,000 and it wouldn't make a difference. I think it's only Ohio, maybe a few other states, that do that anymore, not here in Indiana."
I ask, "So if there is a claim, and Allstate sees the high mileage on my odometer, they won't deny the claim because of that?"
She says, "No" in some definitive way, I forget her exact language.
This was a recorded call, with personnel (agent? I don't know) at an Allstate agency, and I have her name and am kind of thinking about sending an email just for-the-record-ing the above conversation.
But does it sound right to you?
Higher mileage than what is on my policy document — agent says don't worry about it
byu/Worth-Novel-2044 inInsurance
Posted by Worth-Novel-2044
3 Comments
Lending some credence to the claim that mileage “doesn’t matter anymore” is that I earlier today called State Farm while shopping for insurance for the same car — and that person said the same thing about State Farm, didn’t even want to know the current mileage. He said State Farm decided it’s not worth the cost to monitor people’s mileage etc.
Still, this goes against everything I’ve ever heard, and my policy DOES say if anything changes with my mileage I need to document the odometer twice over a 90 day span.
You have absolutely nothing to worry about. Even if they did quote by mileage and mileage affected the price – it’s not a hard limit that you’re not allowed to go over. It’s something they would simply adjust the next year and charge you at a higher mileage category.
Mileage does not really matter too much. A few thousand is nothing. I know someone who usually does 200 or less a month and then he drove from NY to LA and back for vacation. About 10,000 miles in 3 weeks.
If you do this each month is will affect your rates but a one off trip will not.