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Maybe I should rephrase that. If you drive less than the national average of 12,000 miles make sure your insurance company knows this. We have many customers who are getting rated at a higher mileage when in reality they drive 3-5,000 miles a year, whether it be unemployed, carpooling etc. For anyone, if you don't drive that much, make sure your insurance company knows this, it will save you some money.Originally Posted by crcballer55
You're telling him to commit fraud? Even if you tell them that when you sign up they're going to ask you your mileage ever year. Should you get in an accident and actually need it, you're SCREWED. The point of insurance is to offset any accidents, not get one over on yourself.Originally Posted by Square town 707
Insurance is expensive in New York. Rates mostly depend on ; Age, driving record, and frequency of accidents in the zipcode you live in, other factors are included too.
Best advice to give is tell the insurance company you drive 3,000 miles a year. Shop around too, Insurance rates vary vastly from company to company. I'd sell you insurance, but I'm in CA.
I have had AAA for the past 4 years. It costs $1000 for two drivers and cars. I also have a clean record and I've been out of school for several years now, so my rate has been dropping every year too.
Also an insurance company will not deny a claim, simply because a policy is incorrectly rated. They will make the adjustments to your policy if you do have a claim when they find out about it. Too much legal ramification to deny a claim, because your mileage was off. They rather pay the claim than pay a lawyer and risk losing in court. AAA may ask mileage yearly, however many companies do not, again this varies by state.